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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.

In most cases, you should not use a pruning seal on trees after trimming. Applying a sealant can interfere with the tree's natural healing process, and it does not guarantee protection from pathogens. Instead of sealing the cut, the best practice is to support the tree's natural recovery by providing it with plenty of water and a dormant-style fertilizer. However, there are exceptions. Pruning seals may be recommended for very vulnerable species, like elm trees, in areas where dangerous diseases such as Dutch elm disease are prevalent. In these specific situations, the protection offered by a sealant can outweigh its downsides. For advice tailored to your situation, especially after cutting large branches, it is best to consult a local tree trimming professional.

Whether you should remove the roots of a dead tree depends on whether they’re damaging nearby areas. For instance, if the roots continue to grow near sidewalks, driveways, or the foundation of your home, they can cause damage. If you want to plant something else in that spot, removing the roots can make it easier for the new tree or plant to grow.