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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.

It takes anywhere from three to seven years for a stump to decompose on its own. This timeframe can depend on the kind of tree and your climate. The lower to the ground the stump is, the faster it rots. If you kill a tree stump with salt, boiling water, herbicide, light deprivation, or burning, the tree stump decomposes faster. 

In some states and municipalities, you will need a permit to remove a tree on your property. In many cases where permits are required, a tree must reach a maximum height before a permit is required to remove it. You can either ask your local building department or a tree removal professional if you’ll need a permit. If you do, you can expect to pay between $50 and $150 for the permit alone. Your tree removal company should pull the permit for you and include the permit fee in your total.

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.