Inadequate insurance coverage is a ticking time bomb when it comes to potential property damage or personal injury. We all hope for the best, but sometimes life throws a curveball, and if you're underinsured, that curveball can knock you right off your feet financially. Think about it: a fire rips through your home, a tree falls on your car, or someone slips and falls on your property. These are all too common occurrences, and the costs associated with them can be astronomical.
If you only have the bare minimum insurance, or worse, no insurance at all, you're leaving yourself vulnerable to a financial catastrophe. Imagine having to pay out of pocket for repairs to your house that cost tens of thousands of dollars, or facing a lawsuit for medical expenses and lost wages after someone gets injured on your property. It can wipe out your savings, force you into debt, and even lead to bankruptcy.
Having inadequate coverage isn't just about protecting your assets; it's about protecting your future. It's about peace of mind, knowing that if the unthinkable happens, you won't be left scrambling to pick up the pieces. Reviewing your insurance policies regularly, and adjusting coverage as needed, is crucial. Talk to your insurance agent, ask questions, and make sure you understand the limits of your coverage and what potential gaps you might have. It's a small investment of time that can save you a mountain of stress and financial hardship down the road. Don't wait until it's too late. Protect yourself, your family, and your financial well-being by ensuring you have adequate insurance coverage.
Damage to surrounding property, encompassing structures and landscaping, represents a significant concern when evaluating the potential for property damage or personal injury. A seemingly contained incident can easily ripple outwards, impacting neighboring homes, businesses, and public spaces. Imagine a tree falling during a storm – while the immediate damage might be to the owner's fence, the tree could also take down power lines, affecting an entire block, or crush a neighbor's shed or even a portion of their house. Construction projects, even with the best intentions, can cause unintended damage. Vibrations from heavy machinery can crack foundations or dislodge siding on nearby buildings. Excavation work can destabilize the ground, leading to sinkholes or landslides that impact adjacent properties. Even something as seemingly innocuous as a poorly maintained sprinkler system can lead to water damage on a neighbor's property, fostering mold growth and structural weakening. Landscaping damage is also a frequent consequence. Chemical runoff from fertilizers or pesticides can contaminate neighboring gardens, killing plants and potentially harming pets. Construction debris, if not properly contained, can be scattered by wind or rain, damaging lawns, flowerbeds, and trees. Considering the potential for damage to surrounding property is crucial for risk assessment and mitigation. Proper planning, preventative measures, and insurance coverage are essential to protect not only one's own property but also the well-being and investments of the surrounding community.
Personal injury risks to workers and the public stemming from property damage potential are a serious concern across numerous industries and everyday life. Think about a construction site: falling debris, malfunctioning equipment, or even improperly stored materials can injure workers on site and passersby alike. Similarly, a faulty gas line in a restaurant could lead to an explosion causing burns and other injuries to both staff and patrons. Even something seemingly mundane like a poorly maintained sidewalk can create a tripping hazard, resulting in anything from a twisted ankle for a pedestrian to a serious fall for an elderly person.
These risks aren't confined to specific locations. A chemical spill during transportation could contaminate water sources and harm nearby residents. A defective product in someone's home, like a faulty electrical appliance, could cause a fire leading to injuries and property damage. The potential for property damage itself often goes hand-in-hand with personal injury risks. A collapsing building, for instance, doesn't just damage the structure; it poses a significant threat to anyone inside or nearby.
The interconnected nature of these risks highlights the importance of proactive safety measures. Regular inspections, proper maintenance, and comprehensive safety training for workers are crucial in minimizing potential hazards. For the public, awareness of surroundings and reporting potential dangers can also play a vital role. Ultimately, understanding the link between property damage potential and personal injury risks is the first step towards creating safer environments for everyone.
Choosing a contractor, repair person, or any service provider that enters your home or works on your property comes with inherent risks. You're essentially entrusting them with your safety and the well-being of your belongings. That's why identifying red flags and choosing a reputable service is crucial to avoid potential property damage or personal injury. Ignoring these warning signs can lead to shoddy workmanship, inflated costs, and even dangerous situations.
One major red flag is a company that's overly eager to secure the job without a proper assessment. They might pressure you into signing a contract immediately, offer a price that seems too good to be true, or avoid answering specific questions about their experience and qualifications. A reputable service provider will take the time to understand your needs, provide a detailed estimate, and be transparent about their process. They should also be readily available to answer your questions and address any concerns you may have.
Another warning sign is a lack of proper licensing and insurance. This is non-negotiable. A legitimate business will have the necessary credentials and be willing to share them with you. Insurance protects you in case of accidents or damage caused by the service provider. Don't hesitate to ask for proof of both – a reputable company will understand and respect your diligence.
Online reviews and testimonials can also be invaluable. While a few negative reviews are normal, a consistent pattern of complaints about poor workmanship, unprofessional behavior, or unresolved issues should raise serious concerns. Look for companies with a strong track record of positive feedback and a history of satisfied customers. Word-of-mouth referrals from friends, family, and neighbors can also be a reliable way to find trustworthy service providers.
Finally, trust your gut. If something feels off, it probably is. Don't dismiss your intuition. A reputable service provider will make you feel comfortable and confident in their abilities. They will be respectful of your property and communicate clearly throughout the process. Taking the time to do your research and identify potential red flags can save you from headaches, financial burdens, and potentially dangerous situations down the line. Remember, choosing a reputable service is an investment in your peace of mind and the safety of your home.
Arboriculture (/ˈɑËÂÂrbÉ™rɪˌkÊŒltʃər, É‘ËÂÂrˈbÉâ€ÂËÂÂr-/)[1] is the cultivation, management, and study of individual trees, shrubs, vines, and other perennial woody plants. The science of arboriculture studies how these plants grow and respond to cultural practices and to their environment. The practice of arboriculture includes cultural techniques such as selection, planting, training, fertilization, pest and pathogen control, pruning, shaping, and removal.
A person who practices or studies arboriculture can be termed an arborist or an arboriculturist. A tree surgeon is more typically someone who is trained in the physical maintenance and manipulation of trees and therefore more a part of the arboriculture process rather than an arborist. Risk management, legal issues, and aesthetic considerations have come to play prominent roles in the practice of arboriculture. Businesses often need to hire arboriculturists to complete "tree hazard surveys" and generally manage the trees on-site to fulfill occupational safety and health obligations.[citation needed]
Arboriculture is primarily focused on individual woody plants and trees maintained for permanent landscape and amenity purposes, usually in gardens, parks or other populated settings, by arborists, for the enjoyment, protection, and benefit of people.[citation needed]
Arboricultural matters are also considered to be within the practice of urban forestry yet the clear and separate divisions are not distinct or discreet.[citation needed]
Tree benefits are the economic, ecological, social and aesthetic use, function purpose, or services of a tree (or group of trees), in its situational context in the landscape.
A tree defect is any feature, condition, or deformity of a tree that indicates weak structure or instability that could contribute to tree failure.
Common types of tree defects:
Codominant stems: two or more stems that grow upward from a single point of origin and compete with one another.
Included bark: bark is incorporated in the joint between two limbs, creating a weak attachment
Dead, diseased, or broken branches:
Cracks
Cavity and hollows: sunken or open areas wherein a tree has suffered injury followed by decay. Further indications include: fungal fruiting structures, insect or animal nests.
Lean: a lean of more than 40% from vertical presents a risk of tree failure
Taper: change in diameter over the length of trunks branches and roots
Epicormic branches (water sprouts in canopy or suckers from root system): often grow in response to major damage or excessive pruning
Roots:
Proper tree installation ensures the long-term viability of the tree and reduces the risk of tree failure.
Quality nursery stock must be used. There must be no visible damage or sign of disease. Ideally the tree should have good crown structure. A healthy root ball should not have circling roots and new fibrous roots should be present at the soil perimeter. Girdling or circling roots should be pruned out. Excess soil above the root flare should be removed immediately, since it presents a risk of disease ingress into the trunk.
Appropriate time of year to plant: generally fall or early spring in temperate regions of the northern hemisphere.
Planting hole: the planting hole should be 3 times the width of the root ball. The hole should be dug deep enough that when the root ball is placed on the substrate, the root flare is 3–5cm above the surrounding soil grade. If soil is left against the trunk, it may lead to bark, cambium and wood decay. Angular sides to the planting hole will encourage roots to grow radially from the trunk, rather than circling the planting hole. In urban settings, soil preparation may include the use of:
Tree wells: a zone of mulch can be installed around the tree trunk to: limit root zone competition (from turf or weeds), reduce soil compaction, improve soil structure, conserve moisture, and keep lawn equipment at a distance. No more than 5–10cm of mulch should be used to avoid suffocating the roots. Mulch must be kept approximately 20cm from the trunk to avoid burying the root flare. With city trees additional tree well preparation includes:
Tree grates/grill and frames: limit compaction on root zone and mechanical damage to roots and trunk
Root barriers: forces roots to grow down under surface asphalt/concrete/pavers to limit infrastructure damage from roots
Staking: newly planted, immature trees should be staked for one growing season to allow for the root system to establish. Staking for longer than one season should only be considered in situations where the root system has failed to establish sufficient structural support. Guy wires can be used for larger, newly planted trees. Care must be used to avoid stem girdling from the support system ties.
Irrigation: irrigation infrastructure may be installed to ensure a regular water supply throughout the lifetime of the tree. Wicking beds are an underground reservoir from which water is wicked into soil. Watering bags may be temporarily installed around tree stakes to provide water until the root system becomes established. Permeable paving allows for water infiltration in paved urban settings, such as parks and walkways.
Within the United Kingdom trees are considered as a material consideration within the town planning system and may be conserved as amenity landscape[2] features.
The role of the Arborist or Local Government Arboricultural Officer is likely to have a great effect on such matters. Identification of trees of high quality which may have extensive longevity is a key element in the preservation of trees.
Urban and rural trees may benefit from statutory protection under the Town and Country Planning[3] system. Such protection can result in the conservation and improvement of the urban forest as well as rural settlements.
Historically the profession divides into the operational and professional areas. These might be further subdivided into the private and public sectors. The profession is broadly considered as having one trade body known as the Arboricultural Association, although the Institute of Chartered Foresters offers a route for professional recognition and chartered arboriculturist status.
The qualifications associated with the industry range from vocational to Doctorate. Arboriculture is a comparatively young industry.
An arborist, or (less commonly) arboriculturist, is a professional in the practice of arboriculture, which is the cultivation, management, and study of individual trees, shrubs, vines, and other perennial woody plants in dendrology and horticulture.[citation needed]
Arborists generally focus on the health and safety of individual plants and trees, rather than managing forests or harvesting wood (silviculture or forestry). An arborist's scope of work is therefore distinct from that of either a forester or a logger.[citation needed]
In order for arborists to work near power wires, either additional training is required or they need to be certified as a Qualified Line Clearance Arborist or Utility Arborist (there may be different terminology for various countries). There is a variety of minimum distances that must be kept from power wires depending on voltage, however the common distance for low voltage lines in urban settings is 10 feet (about 3 metres).[1]
Arborists who climb (as not all do) can use a variety of techniques to ascend into the tree. The least invasive, and most popular technique used is to ascend on rope. There are two common methods of climbing, Single Rope System (SRS) and Moving Rope System (MRS). When personal safety is an issue, or the tree is being removed, arborists may use 'spikes', (also known as 'gaffs' or 'spurs') attached to their chainsaw boots with straps to ascend and work. Spikes wound the tree, leaving small holes where each step has been.[citation needed]
An arborist's work may involve very large and complex trees, or ecological communities and their abiotic components in the context of the landscape ecosystem. These may require monitoring and treatment to ensure they are healthy, safe, and suitable to property owners or community standards. This work may include some or all of the following: planting; transplanting; pruning; structural support; preventing, or diagnosing and treating phytopathology or parasitism; preventing or interrupting grazing or predation; installing lightning protection; and removing vegetation deemed as hazardous, an invasive species, a disease vector, or a weed.[citation needed]
Arborists may also plan, consult, write reports and give legal testimony. While some aspects of this work are done on the ground or in an office, much of it is done by arborists who perform tree services and who climb the trees with ropes, harnesses and other equipment. Lifts and cranes may be used too. The work of all arborists is not the same. Some may just provide a consulting service; others may perform climbing, pruning and planting: whilst others may provide a combination of all of these services.[2]
Arborists gain qualifications to practice arboriculture in a variety of ways and some arborists are more qualified than others. Experience working safely and effectively in and around trees is essential. Arborists tend to specialize in one or more disciplines of arboriculture, such as diagnosis and treatment of pests, diseases and nutritional deficiencies in trees, climbing and pruning, cabling and lightning protection, or consultation and report writing. All these disciplines are related to one another and some arborists are very well experienced in all areas of tree work, however not all arborists have the training or experience to properly practice every discipline.[citation needed]
Arborists choose to pursue formal certification, which is available in some countries and varies somewhat by location. An arborist who holds certification in one or more disciplines may be expected to participate in rigorous continuing education requirements to ensure constant improvement of skills and techniques.[citation needed]
In Australia, arboricultural education and training are streamlined countrywide through a multi-disciplinary vocational education, training, and qualification authority called the Australian Qualifications Framework, which offers varying levels of professional qualification. Government institutions including Technical and Further Education TAFE offer Certificate III or a diploma in arboriculture as well as some universities.[3][4] There are also many private institutions covering similar educational framework in each state. Recognition of prior learning is also an option for practicing arborists with 10 or more years of experience with no prior formal training. It allows them to be assessed and fast track their certification.[citation needed]
In France, a qualified arborist must hold a Management of Ornamental Trees certificate, and a qualified arborist climber must hold a Pruning and Care of Trees certificate; both delivered by the French Ministry of Agriculture.[5][6]
In the UK, an arborist can gain qualifications up to and including a master's degree. College-based courses include further education qualifications, such as national certificate, national diploma, while higher education courses in arboriculture include foundation degree, bachelor's degree and master's degree.[citation needed]
In the US, a Certified Arborist (CA) is a professional who has over three years of documented and verified experience and has passed a rigorous written test from the International Society of Arboriculture. Other designations include Municipal Specialist, Utility Specialist and Board Certified Master Arborist (BCMA). The USA and Canada additionally have college-based training which, if passed, will give the certificate of Qualified Arborist. The Qualified Arborist can then be used to offset partial experience towards the Certified Arborist.
Tree Risk Assessment Qualified credential (TRAQ), designed by the International Society of Arboriculture, was launched in 2013. At that time people holding the TRACE credential were transferred over to the TRAQ credential.[citation needed]
In Canada, there are provincially governed apprenticeship programs that allow arborists' to work near power lines upon completion. These apprenticeship programs must meet the provincial reregulations (For example, in B.C. they must meet WorkSafeBC G19.30), and individuals must ensure they meet the requirements of the owner of the power system.[citation needed]
Trees in urban landscape settings are often subject to disturbances, whether human or natural, both above and below ground. They may require care to improve their chances of survival following damage from either biotic or abiotic causes. Arborists can provide appropriate solutions, such as pruning trees for health and good structure, for aesthetic reasons, and to permit people to walk under them (a technique often referred to as "crown raising"), or to keep them away from wires, fences and buildings (a technique referred to as "crown reduction").[7] Timing and methods of treatment depend on the species of tree and the purpose of the work. To determine the best practices, a thorough knowledge of local species and environments is essential.[citation needed]
There can be a vast difference between the techniques and practices of professional arborists and those of inadequately trained tree workers. Some commonly offered "services" are considered unacceptable by modern arboricultural standards and may seriously damage, disfigure, weaken, or even kill trees. One such example is tree topping, lopping, or "hat-racking", where entire tops of trees or main stems are removed, generally by cross-cutting the main stem(s) or leaders, leaving large unsightly stubs. Trees that manage to survive such treatment are left prone to a spectrum of detrimental effects, including vigorous but weakly attached regrowth, pest susceptibility, pathogen intrusion, and internal decay.[8]
Pruning should only be done with a specific purpose in mind. Every cut is a wound, and every leaf lost is removal of photosynthetic potential. Proper pruning can be helpful in many ways, but should always be done with the minimum amount of live tissue removed.[9]
In recent years, research has proven that wound dressings such as paint, tar or other coverings are unnecessary and may harm trees. The coverings may encourage growth of decay-causing fungi. Proper pruning, by cutting through branches at the right location, can do more to limit decay than wound dressing [10]
Chemicals can be applied to trees for insect or disease control through soil application, stem injections or spraying. Compacted or disturbed soils can be improved in various ways.[citation needed]
Arborists can also assess trees to determine the health, structure, safety or feasibility within a landscape and in proximity to humans. Modern arboriculture has progressed in technology and sophistication from practices of the past. Many current practices are based on knowledge gained through recent research, including that of Alex Shigo, considered one "father" of modern arboriculture.[11]
Depending on the jurisdiction, there may be a number of legal issues surrounding the practices of arborists, including boundary issues, public safety issues, "heritage" trees of community value, and "neighbour" issues such as ownership, obstruction of views, impacts of roots crossing boundaries, nuisance problems, disease or insect quarantines, and safety of nearby trees or plants that may be affected.[citation needed]
Arborists are frequently consulted to establish the factual basis of disputes involving trees, or by private property owners seeking to avoid legal liability through the duty of care.[12] Arborists may be asked to assess the value of a tree[13] in the process of an insurance claim for trees damaged or destroyed,[14] or to recover damages resulting from tree theft or vandalism.[15] In cities with tree preservation orders an arborist's evaluation of tree hazard may be required before a property owner may remove a tree, or to assure the protection of trees in development plans and during construction operations. Carrying out work on protected trees and hedges is illegal without express permission from local authorities,[16] and can result in legal action including fines.[17] Homeowners who have entered into contracts with a Homeowner's association (see also Restrictive covenants) may need an arborists' professional opinion of a hazardous condition prior to removing a tree, or may be obligated to assure the protection of the views of neighboring properties prior to planting a tree or in the course of pruning.[18] Arborists may be consulted in forensic investigations where the evidence of a crime can be determined within the growth rings of a tree, for example. Arborists may be engaged by one member of a dispute in order to identify factual information about trees useful to that member of the dispute, or they can be engaged as an expert witness providing unbiased scientific knowledge in a court case. Homeowners associations seeking to write restrictive covenants, or legislative bodies seeking to write laws involving trees, may seek the counsel of arborists in order to avoid future difficulties.[19]
Before undertaking works in the UK, arborists have a legal responsibility to survey trees for wildlife, especially bats, which are given particular legal protection. In addition, any tree in the UK can be covered by a tree preservation order and it is illegal to conduct any work on a tree, including deadwooding or pruning, before permission has been sought from the local council.[citation needed]
The protagonist in Italo Calvino's novel The Baron in the Trees lives life on the ground as a boy and spends the rest of his life swinging from tree to tree in the Italian countryside. As a young man he helps the local fruit farmers by pruning their trees.[citation needed]
Some noteworthy arborists include:
Tree care is the application of arboricultural methods like pruning, trimming, and felling/thinning[1] in built environments. Road verge, greenways, backyard and park woody vegetation are at the center of attention for the tree care industry. Landscape architecture and urban forestry[2][3] also set high demands on professional tree care. High safety standards against the dangers of tree care have helped the industry evolve. Especially felling in space-limited environments poses significant risks: the vicinity of power or telephone lines, insufficient protective gear (against falling dead wood, chainsaw wounds, etc.) and narrow felling zones with endangered nearby buildings, parking cars, etc.. The required equipment and experience usually transcends private means and is often considered too costly as a permanent part of the public infrastructure. In singular cases, traditional tools like handsaws may suffice, but large-scale tree care usually calls for heavy machinery like cranes, bucket trucks, harvesters, and woodchippers.
Road side trees are especially prone to abiotic stress by exhaust fumes, toxic road debris, soil compaction, and drought which makes them susceptible to fungal infections and various plant pests[4] like the spotted lantern fly.[5] When tree removal is not an option, because of road ecology considerations, the main challenge is to achieve road safety (visibility of road signs, blockage-free lanes, etc.) while maintaining tree health.
While the perceived risk of death by falling trees (a part of the "tree risk" complex) is influenced by media and often hyped (the objective risk has been reported to be close to 1 : 10.000.000, almost as low as death by lightning),[6] singular events have encouraged a "proactive" stance so that even lightly damaged trees are likely to be removed in urban and public traffic surroundings.[3] As a tree ages and nears the end of its safe useful life expectancy (SULE),[7] its perceived amenity value is decreased greatly. A risk assessment normally carried out by local council's arborist to determine the best course of action.[8][9] As with all public green spaces, trees in green urban spaces and their careful conservation is sometimes in conflict with aggressive urban development even though it is often understood how urban trees contribute to liveability of suburbs and cities both objectively (reduction of urban heat island effect, etc.) and subjectively.[10][11][12][13] Tree planting programs implemented by a growing number of cities, local councils and organizations is mitigating the losses and in most cases increasing the number of trees in suburbia.[14] Programs include the planting of 2 trees for every 1 tree removed, while some councils are paying land owners to keep trees instead of removing them for farming or construction.[15]
The voluntary industry consensus standards developed by TCIA, resulted in the ANSI A300 standard, the generally accepted industry standard for tree care practices including trees, shrubs, and other woody plants.[16] It includes the following parts:
Urban Forestry maintains 4.1 million trees on public property, which includes an estimated 3.5 million trees within Toronto's parks and ravines, and approximately 600,000 trees on City streets. ... The focus of our maintenance service is shifting progressively from reactive maintenance to proactive maintenance.
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Ho Chi Minh City has announced a plan to move and cut down 300 trees on Ton Duc Thang Street in District 1 to make space for a bridge connecting to District 2 and a metro station.