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No, homeowners insurance typically does not cover the cost of removing a dead, sick, or rotting tree that is still standing. Insurance is designed to protect against sudden and unexpected accidents, whereas a tree dying or rotting over time is considered a maintenance issue. Coverage usually only applies after a tree has fallen and caused damage to your property.

Homeowners are usually not responsible for trees that fall on power lines. Power companies usually have utility easements around power lines, which give them the responsibility to maintain any trees within about 15 to 20 feet of the lines.

In most ways, palm trees are incredibly low-maintenance. They don’t need a ton of water—which is why they’re so beloved in desert regions—and they basically prune themselves. But they do need an ample supply of sunlight and to be in soil that will allow for proper drainage so that their roots don’t become waterlogged and at risk of developing illnesses.

If the plant begins to wilt, develop spots, or change color, these could all be signs that your palm tree has a disease. But a few basic treatments, like pruning and applying fungicide, will usually be more than enough to return it to perfect health.

If an arborist is certified by the International Society of Arboriculture (ISA), the highest level of certification available is ISA Board Certified Master Arborist. According to the ISA, this credential is reserved for arborists “who have reached the pinnacle of their profession.” Check your arborist’s credentials before hiring to confirm their level of training and expertise.