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Quick, low-risk steps

  1. Keep people and property away from any tree that appears unstable or damaged.
  2. Photograph the tree from a safe distance, capturing the whole tree and any visible defects.
  3. Ask the evaluator if they are an ISA Certified Arborist and request a written report.
  4. Get at least two independent assessments before agreeing to removal, unless the tree is an immediate hazard.
  5. Verify local permit requirements with the City of Tampa or your municipality before any work begins.

What a Professional Tree Risk Assessment Includes

A qualified arborist follows a structured process to evaluate tree risk. They examine the tree from the roots to the crown, looking for signs of decay, cracks, weak branch unions, and root problems. The assessment also considers what could be hit if the tree or a part of it fails—this is called the target. In Tampa Bay, common targets include homes, cars, and areas where people gather.

The arborist will often use tools like a mallet for sounding, a probe, or even advanced equipment like a resistograph to detect internal decay. They should provide a written report that rates the risk level and suggests options, which may include pruning, cabling, or monitoring—not just removal. A true assessment is about managing risk, not selling a service.

  • Visual inspection of the entire tree, including the root flare and canopy.
  • Identification of structural defects like codominant stems, included bark, or cavities.
  • Evaluation of the tree's lean, soil condition, and recent changes in the environment.
  • Consideration of target proximity: structures, high-traffic areas, and utilities.
  • A written report with risk ratings and recommended actions, not just a verbal quote.

Red Flags of a Removal Sales Call

Some companies send salespeople, not arborists, who are incentivized to sell removal jobs. They may use fear-based language, point out normal tree characteristics as dangerous, or offer a 'today-only' discount. A common tactic is to claim a tree is 'diseased' or 'dying' without providing specific evidence or a written assessment.

Be wary if the person does not climb the tree or use any diagnostic tools, yet immediately recommends removal. A legitimate arborist will explain their findings in plain language and answer your questions. They should also be willing to discuss alternatives like pruning or cabling if the tree is not an imminent hazard.

  • High-pressure sales tactics, such as limited-time offers or urgent deadlines.
  • No written report or documentation of the tree's condition.
  • Recommending removal without a thorough inspection of the tree's structure.
  • Using vague terms like 'it's sick' without explaining the specific issue.
  • Refusing to provide credentials or proof of insurance.

Questions to Ask Before Agreeing to Removal

Before you sign a contract, ask the right questions to ensure you're making an informed decision. A reputable arborist will welcome your questions and provide clear answers. This is especially important in Tampa Bay, where storms can make trees more vulnerable, but not every damaged tree needs to come down.

Always verify that the company carries liability and workers' compensation insurance. Ask for a certificate of insurance and check that it's current. For any work involving digging, such as stump removal, ensure they will contact 811 to locate underground utilities before starting.

  • Are you an ISA Certified Arborist? Can I see your certification number?
  • What specific defects or risks did you find, and what is the likelihood of failure?
  • Are there any alternatives to removal, such as pruning or cabling?
  • Will you provide a detailed written report and a scope of work?
  • Do you have current liability and workers' compensation insurance?

When to Get a Second Opinion

If you're unsure about a removal recommendation, it's wise to get a second opinion from an independent arborist. Look for a consulting arborist who does not perform removal work themselves—they have no financial stake in the outcome. In Tampa Bay, you can find qualified professionals through the International Society of Arboriculture's online directory.

A second opinion is particularly important for large, mature trees that provide significant shade and property value. The cost of an assessment is often much less than the cost of unnecessary removal. Remember, a healthy tree can be an asset, and removal should be a last resort after other options have been considered.

  • The initial recommendation was made without a written report or detailed explanation.
  • The tree is a valuable part of your landscape and you want to explore all options.
  • You feel pressured or uncomfortable with the sales approach.
  • The company does not have an ISA Certified Arborist on staff.
  • You want a risk assessment from a professional who does not sell removal services.

Take this with you

Evidence and scope checklist

  • Is the evaluator an ISA Certified Arborist?
  • Did they provide a written report with risk ratings?
  • Were specific defects identified and explained?
  • Did they consider targets like structures and high-traffic areas?
  • Were alternatives to removal discussed?
  • Did you receive a detailed scope of work and cost estimate?
  • Is the company insured and willing to provide a certificate?
  • Will they contact 811 before any digging?
  • Have you checked local permit requirements?
  • Did you get a second opinion from an independent arborist?
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Common questions

What homeowners ask next

What is the difference between an arborist and a tree removal service?

An arborist is a professional trained in the science of tree care, including health, risk assessment, and maintenance. A tree removal service may only specialize in cutting down trees. An ISA Certified Arborist has passed an exam and maintains continuing education, which indicates a broad knowledge of tree care beyond just removal.

How much does a tree risk assessment cost?

The cost varies based on the number of trees, the complexity of the site, and the arborist's qualifications. It is typically an hourly or flat fee. Contact several local arborists for quotes and ask what the assessment includes. Avoid free assessments that may be tied to a removal sales pitch.

Does homeowners insurance cover tree removal if a tree is hazardous?

Insurance policies vary. Generally, insurance may cover removal if a tree falls and damages a covered structure, but not for proactive removal of a hazardous tree. Check your policy or contact your insurer to understand your coverage. Do not assume coverage without verification.

Evidence

Sources used for this guide

Research checked July 31, 2026

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