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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.

Often, it’s the homeowner’s responsibility to handle the aftermath when a neighbor’s tree falls on their property. But if a tree has been obviously dead for a significant period of time and caused damage when it fell, a case can be made that the owner should have removed it, especially if the neighbor wrote you a letter about the tree or asked you to take it down. This can be grounds for a successful lawsuit in claims court and is a good reason to always pay attention to your trees and remove dead trees before they fall.

Leaving the tree stump and letting it rot is never a good idea, as this leads to insect infestations and other frustrations. Additionally, decomposing trunks are at risk for diseases that spread out to the remaining plants and trees in the yard, thus ruining your whole outdoor aesthetic. It's usually best to remove the stump at the same time you remove the tree.

Not every arborist climbs trees, but most will do so if that’s the best method for assessing or treating a tree. Arborists have a variety of tree climbing gear and safety equipment to choose from when climbing trees. Consult your local arborist about their tree-climbing plan if your service requires that type of task.