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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.

A palm tree's lifespan typically ranges from 40 to 100 years, though some species can live much longer. For example, certain types of Date Palm trees can live for over 200 years. The exact longevity of a palm tree is influenced by several factors, including its species, size, climate, and growing conditions. To maximize your palm's lifespan, provide proper care and maintenance, such as ensuring it gets enough sunlight, water, and nutrients, and protecting it from pests and diseases. For expert maintenance tips, consider consulting a professional arborist.

The best way to protect tree roots is to avoid the roots entirely by excavating outside the root radius of the tree. For nearby projects, it’s a good idea to construct a temporary retaining wall. But that’s not always possible, depending on the project and the root system. In these cases, consider using alternative equipment like an auger to tunnel under the ground.

Remember, tree roots can damage nearby cement foundations as they grow. If a tree is close enough to interfere with large excavations, it may be better to remove the tree than risk future problems.

It is possible to cut down a tree on your property yourself, but it is generally not recommended unless specific conditions are met. You should only consider this project if the tree is small (e.g., under 4-5 inches in diameter and short enough that you don't need a ladder to reach the branches), and you are experienced in handling a chainsaw. The tree must also be located far from any power lines, fences, homes, or other structures. Even for small trees, the work can be dangerous, and it's always advisable to have a spotter to ensure the tree falls correctly and no branches fall on you.

For any tree that is large, requires a ladder to access, or is near electrical lines or structures, you should always hire a professional. Attempting to remove a large tree yourself is extremely dangerous, poses a risk of serious injury, and could result in significant damage to your property.

Before any tree removal, it's also important to check your local and state regulations to ensure the tree is not historic or otherwise protected by your city.