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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.

Tree roots are hearty and complex systems, so they don’t die immediately after the rest of the tree is removed. If you leave the root system in place, it takes anywhere from two to seven years for it to run out of nutrients. It is worth noting, however, that the roots stop growing and expanding after cutting down the rest of the tree.

It is possible to cut down a tree on your property yourself, but it is generally not recommended unless specific conditions are met. You should only consider this project if the tree is small (e.g., under 4-5 inches in diameter and short enough that you don't need a ladder to reach the branches), and you are experienced in handling a chainsaw. The tree must also be located far from any power lines, fences, homes, or other structures. Even for small trees, the work can be dangerous, and it's always advisable to have a spotter to ensure the tree falls correctly and no branches fall on you.

For any tree that is large, requires a ladder to access, or is near electrical lines or structures, you should always hire a professional. Attempting to remove a large tree yourself is extremely dangerous, poses a risk of serious injury, and could result in significant damage to your property.

Before any tree removal, it's also important to check your local and state regulations to ensure the tree is not historic or otherwise protected by your city.

Most experts recommend removing a tree that has sustained more than 25% loss in the limbs, trunk, or circumference of the bark. Doing an initial trimming of damaged and dangling branches, but then waiting a few days of monitoring to decide how much more you might need to cut can help you better assess the total damage to the tree. However, consulting a tree maintenance pro to make this determination the best course of action before removing a tree.