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We recommended removing the tree stump because it can create many of the same problems as a dead, decaying tree. Those stumps can rot over time, creating an attraction for bugs, fungi, and other unwelcome yard guests.

If your tree specialist says that a hardwood tree is in excellent condition, you may be able to use the stump as a decoration for years to come. However, it’s still important to keep an eye on it, and arrange to remove the stump if it starts to show significant signs of decay.

While you can leave roots in the ground, if you don’t want the shrub to regrow again over time, it’s best not to leave any roots behind. Ensure you remove as much of the shrub as possible, including the root ball and any main roots you can see, to prevent new growth. Some gardeners opt for using a chemical treatment to prevent the stump from growing back, but this can kill beneficial microorganisms living in your soil.

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.

Whether you grind or dig up and remove your tree stump depends on your landscaping goals. Using a stump grinder leaves the root system in place for it to decompose over time, whereas digging up the tree stump removes the roots and the stump. Overall, stump grinding is a far simpler process since you won’t need to deal with the roots. Stump removal will make your yard look like a demolition site, but you’ll have an easier time replanting in the same place as your former tree.