In most cases it’s easy for homeowners to see when they need to hire an arborist. If a tree dies, you want it removed as quickly as possible, for a couple of reasons.

If it starts rotting, it becomes a safety hazard because winds can more easily topple it, and if it falls on your house, you can expect significant damage. Does your homeowners insurance cover it​? According to Allstate, the answer to this question is “it depends.”