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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.

There are several methods to hollow out a tree stump, and the best one depends on your tools, experience, and priorities. Common methods include using a chisel and hammer, a chainsaw, or burning.

• Chisel and Hammer: This is often considered the easiest approach for those with limited tools or experience, though it is the most time-consuming.

• Chainsaw: Using a chainsaw is the fastest method, but it comes with significant safety risks, especially for inexperienced users.

• Burning: This can be an effective method, but it is not recommended unless you can first drill holes into the stump. Without holes, the stump will be difficult to light and may not burn completely through.

A power drill with at least a ⅜-inch diameter bit can make the job quicker and easier, regardless of the primary method. While you can use a chisel or chainsaw without a drill, it will require more time and effort. Always wear protective goggles and thick gloves, as splinters are an inevitable risk.

Pruning trees during the summer can be a bad idea because the new growth will take place during the hottest months of the year, which can stress your tree out. Similarly, pruning during the early fall can be a bad idea, too, because you’d be stimulating new growth when most trees are aiming to go dormant. 

Pruning recommendations will vary by the type of tree, but generally, waiting until winter to prune your trees is a good idea.

Licensing requirements for arborists, also known as tree surgeons, vary by state and municipality. Many areas require a license, which often involves specialized education and experience. Even if not mandated, it's wise to hire a licensed professional as they tend to have more experience. Beyond licensing, look for certifications from organizations like the International Society of Arboriculture (ISA) or the Tree Care Industry Association (TCIA), as this indicates a higher level of expertise. Certified arborists must typically pass a comprehensive exam. Always confirm that the arborist has a business license and is fully insured to protect yourself from liability. Seeking positive recommendations from local homeowners is also a good step in finding a qualified professional.