Tree work involves heights, chainsaws, heavy limbs, and utility lines. It is one of the most dangerous outdoor jobs a homeowner can attempt. This guide explains when a tree is a hazard and what to ask before hiring.
Signs a tree is hazardous
- A dead or hollow trunk.
- Cracks, splits, or fungal growth at the base.
- Large dead limbs over a roof, driveway, or play area.
- A sudden lean or exposed roots.
- Storm damage, broken branches, or a split canopy.
A tree that is close to a structure or power line deserves a professional assessment, even if it looks healthy.
Know the limits of DIY
Small branches that can be reached from the ground with a pole saw may be manageable. Anything that requires a ladder, climbing, a chainsaw overhead, or working near utility lines should be left to a professional.
Never cut a limb that is supporting another limb or a split trunk. The tree can react unpredictably.
Credentials and insurance
Ask for proof of insurance, including general liability and workers' compensation. Ask whether the crew is trained in tree work and whether an arborist is involved in the assessment.
Get a written scope that covers removal, stump grinding, cleanup, and disposal. Confirm what happens to the wood and debris.
Permits and property lines
Some cities and HOAs have tree protection rules, especially for mature or native trees. Ask before removing. Confirm the property line if the tree is near a boundary.
If a tree falls on a neighbor's property or a shared fence, document the damage and contact your insurer. Liability depends on the circumstances and local law.
Storm damage
If a tree is resting on a power line, keep everyone away and call the utility. Do not attempt to move it. If a tree has damaged the roof, cover the opening if it is safe, then call for tree removal and roof repair.
Take photos before cleanup for insurance. Do not let a contractor rush you into signing before you understand the scope.
Frequently asked questions
Can I remove a small tree myself?
Small trees can sometimes be removed by hand, but check for utility lines, structures, and local rules first. Larger trees should be handled by a professional.
Does homeowners insurance cover tree removal?
Coverage depends on the cause and the policy. A tree that falls on a covered structure is often treated differently than routine maintenance.
What is stump grinding?
A machine grinds the stump below grade. It does not remove all roots, and the hole still needs to be filled.
Need help now? Call (877) 471-2907 and describe the situation. The line is open 7am–10pm EST, seven days a week. For a gas leak, fire, or life-threatening emergency, call 911 first.
About this guide: This information is general and educational. It is not a substitute for an on-site assessment, a licensed professional's advice, or your local building code. Verify licensing and insurance directly with any provider you hire.