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Dutch elm disease can’t harm humans. In fact, according to Cal Fire, bark beetles aren’t even typically dangerous to trees unless that tree is already weakened. The problem comes when Dutch elm disease kills a tree. That tree is more at risk of falling and catching fire, which can pose a serious threat.

There are two types of arborists: certified and consulting. A certified arborist is licensed and equipped to provide tree pruning, planting, fertilizing, monitoring, transplanting, treatment, and removal services. A consulting arborist specializes in tree appraisals, diagnosing problems and recommending treatments for illnesses. However, they will not provide these services themselves. Most consulting arborists are certified arborists who can refer you to a tree service that can administer the correct treatments.

If it’s your property, then you can plant a tree near power lines, but it’s not the best idea. Any vegetation that grows within 10 feet or so of power lines will fall under the responsibility of the utility company, and they may trim or remove it as necessary. If you do move forward with your plan, try to choose a smaller ornamental tree, plant it as far away from the power lines as you can, and keep it trimmed to avoid future problems.

Coverage varies quite a bit by policy, but most homeowners' insurance policies will cover $500 to $1,000 of the cost of removing a tree. Additionally, if your tree causes damage to your property, like your house, many policies will cover some or all of the costs to repair the damage, depending on why the tree fell.