A dead tree should always be cut down, because it could fall and cause injuries or damage, and it can also attract insects like carpenter ants. A tree that’s diseased beyond repair should also be cut down, but it’s not always easy for a homeowner to tell. Signs of disease include dying branches, a hollow trunk, leaning, and discolored or missing leaves, but your best bet is to hire a local arborist who can evaluate the tree and tell you if it can be saved or should be cut down.

A tree growing close to a house can pose several risks, but removal isn't always the only or best solution. Potential problems include roots growing into the foundation and causing structural cracks, branches damaging the roof or promoting moss growth, and debris clogging gutters, which can lead to water damage. Trees can also provide access for pests and encourage mold. However, a small, healthy tree may not be a problem, and for larger, established trees, strategic trimming can be a cheaper and more beneficial alternative to removal. It is generally recommended to take action for trees within 10 to 20 feet of your home, especially if they are unhealthy or encroaching. Your best bet is to consult a professional arborist who can assess the specific situation and provide expert advice.

Consumers typically do not need to worry about the cost of tree insurance, as professional tree service companies pay for their own coverage. For a tree service business, an average U.S. policy covering about $1 million in general liability costs roughly $40 a month or $500 a year. More extensive policies, providing between $500,000 to $2 million in coverage, can cost between $3,000 and $6,000 annually, depending on the company's size and scope of work. Tree service professionals should speak with an insurance company to determine the right plan for their business.

The fastest ways to remove a tree stump are by grinding it or burning it.

Stump grinding is often the quickest method, with professionals able to chip away a stump and its roots within a single session. You have the option to hire a professional stump removal service or rent a stump grinder to do it yourself. However, it's important to note that these machines can be large, difficult to transport, and dangerous to operate without prior experience. For safety reasons, hiring a local arborist or landscape specialist is often recommended.

Burning is another fast option. Before you begin, check your local burn laws. The process involves drilling holes into the stump, filling them with vegetable oil, and waiting 24 to 48 hours. Afterward, you can add charcoal bricks to the surface and light the fire, which must be attended at all times.

For a more affordable but much slower alternative, you can use potassium nitrate pellets to accelerate the natural decomposition process. This method typically takes four to six months.