Shopping for insurance can feel like deciphering a secret code, but understanding key terms like coverage limits and deductibles is crucial for comparing quotes effectively. Think of it like building a house: you need to know the size (coverage limits) and how much you're willing to pay out of pocket for repairs (deductible) before the insurance company steps in.
Coverage limits represent the maximum amount your insurance company will pay for a covered claim. For example, if you have $100,000 in liability coverage for car insurance, that's the most they'll pay if you're at fault in an accident that causes injuries or property damage to others. Limits apply to different aspects of your policy, so it's important to compare these limits across quotes. Don't just focus on the premium price; a lower premium might mean significantly lower coverage, leaving you exposed financially in case of a major incident.
Deductibles, on the other hand, are the amount you agree to pay before your insurance kicks in. If you have a $500 deductible on your car insurance and get into an accident causing $2,000 in damage, you'll pay the first $500, and your insurance will cover the remaining $1,500. Generally, a higher deductible means a lower premium, but it also means you'll pay more out of pocket when you file a claim. You need to find a balance that fits your budget and risk tolerance.
When comparing quotes, don't just look at the bottom line. Make sure you're comparing apples to apples. Are the coverage limits the same? How do the deductibles differ? Sometimes a slightly higher premium is worth it for the peace of mind that comes with higher coverage limits and a deductible you can comfortably afford. Understanding these two crucial elements will empower you to make informed decisions and choose the best insurance policy for your needs.
Comparing quotes from multiple insurers is a crucial step in finding the best coverage at the right price. But price isn't everything. Just like you wouldn't buy the cheapest car without checking its safety rating, you shouldn't buy the cheapest insurance without looking into the insurer's reputation and financial stability. After all, what good is a low premium if the company can't pay out when you need them most?
Evaluating an insurer's reputation is more than just glancing at a star rating. It's about understanding how they treat their customers. Do they have a history of fair and timely claim settlements? Are they known for good customer service? Online reviews, independent ratings agencies like A.M. Best, and even talking to friends and family can give you valuable insights. A company with a consistently poor reputation for handling claims might save you a few bucks upfront, but could cost you dearly down the line.
Financial stability is equally important. A financially shaky insurer might struggle to pay out large claims, leaving you in a difficult position. Independent rating agencies assess the financial strength of insurance companies, providing letter grades that reflect their ability to meet their obligations. Looking at these ratings can give you peace of mind, knowing that the company you choose is likely to be around when you need them.
So, while comparing quotes is a necessary part of the process, remember to look beyond the price tag. Taking the time to investigate the reputation and financial stability of potential insurers can save you from headaches and potential financial hardship down the road. It's about finding the right balance between affordability and security – a company that offers competitive prices and a proven track record of taking care of their customers.
Shopping for business insurance can feel like navigating a maze, especially when you start digging into the details of different quotes. One area that often causes confusion is comparing additional coverage options, like Inland Marine and Equipment Breakdown coverage, across multiple insurers. It's not as simple as just looking at the bottom line premium. You need to make sure you're comparing apples to apples, and that you're actually getting the protection your business needs.
Let's say you're a contractor and you're comparing quotes from three different insurers. All three offer general liability and commercial property insurance, but they handle additional coverage options differently. Insurer A might include some basic equipment breakdown coverage within their standard policy, while Insurer B offers it as a separate endorsement with customizable limits. Insurer C might not offer it at all. Similarly, Inland Marine, which covers property in transit or at temporary locations, might be bundled, optional, or completely absent depending on the insurer and their understanding of your business operations.
This is where things get tricky. That lower premium from Insurer A might look attractive, but if it doesn't include sufficient equipment breakdown coverage for your expensive tools, you could be left with a hefty bill if a key piece of machinery malfunctions. Insurer B might have a slightly higher premium, but their customizable options allow you to tailor the coverage to your specific needs, potentially saving you money in the long run. And while Insurer C might seem competitive, their lack of Inland Marine coverage could be a deal-breaker if you regularly transport materials or equipment to different job sites.
So, how do you navigate this? First, make a detailed list of your business's specific needs and risks. What equipment do you rely on? Do you transport goods? Then, when comparing quotes, don't just focus on the price. Carefully review the coverage details for each option, including limits, deductibles, and exclusions. Ask questions. If you're unsure about something, reach out to the insurance agent or broker for clarification. Explain your operations clearly so they can recommend the appropriate coverage. It's much better to invest a little extra time upfront to ensure you have the right protection than to face a significant financial loss down the road because of a coverage gap. Remember, the cheapest quote isn't always the best value – true value comes from having the right coverage when you need it most.
So, you've been diligently gathering quotes from different insurance companies. Your inbox is overflowing, your desk is covered in brochures, and your head is probably swimming with premiums, deductibles, and coverage options. It's time for the final, and often most daunting, step: making a decision and securing your policy.
Choosing the right insurance isn't just about finding the lowest price (though that's certainly a factor!). It's about finding the best value for your individual needs. Now that you have all the information in front of you, it's time to compare apples to apples. Don't just look at the bottom line. Carefully review what each policy covers. Are there differences in liability limits? Does one offer better coverage for specific situations relevant to you? Consider the reputation of the insurer and their customer service record. Online reviews and ratings can offer valuable insights from other policyholders.
Once you've narrowed down your options, don't be afraid to reach out to the insurers directly. Ask clarifying questions. Sometimes talking to a representative can help solidify your understanding and make you feel more comfortable with your choice.
Once you've made your decision, securing the policy should be relatively straightforward. Most companies offer online applications, but you can usually also apply over the phone or through an agent. Make sure you have all the necessary information handy, such as your driver's license number, vehicle information (if applicable), and payment details.
After you've submitted your application, review the policy documents carefully. Ensure everything is accurate and reflects the coverage you agreed to. Don't hesitate to contact the insurer if you have any questions or concerns.
Choosing insurance can be a bit of a headache, but taking the time to compare quotes, understand your needs, and ask the right questions will ultimately save you money and provide peace of mind knowing you're properly protected. Congratulations on almost reaching the finish line!
Horticulture is the art and science of growing fruits, vegetables, flowers, trees, shrubs and ornamental plants. Horticulture is commonly associated with the more professional and technical aspects of plant cultivation on a smaller and more controlled scale than agronomy. There are various divisions of horticulture because plants are grown for a variety of purposes.[1] These divisions include, but are not limited to: propagation, arboriculture, landscaping, floriculture and turf maintenance. For each of these, there are various professions, aspects, tools used and associated challenges -- each requiring highly specialized skills and knowledge on the part of the horticulturist.
Typically, horticulture is characterized as the ornamental, small-scale and non-industrial cultivation of plants; horticulture is distinct from gardening by its emphasis on scientific methods, plant breeding, and technical cultivation practices, while gardening, even at a professional level, tends to focus more on the aesthetic care and maintenance of plants in gardens or landscapes. However, some aspects of horticulture are industrialized or commercial such as greenhouse production or CEA.
Horticulture began with the domestication of plants c. 10,000 – c. 20,000 years ago.[2][3] At first, only plants for sustenance were grown and maintained, but as humanity became increasingly sedentary, plants were grown for their ornamental value. Horticulture emerged as a distinct field from agriculture when humans sought to cultivate plants for pleasure on a smaller scale rather than exclusively for sustenance.
Emerging technologies are moving the industry forward, especially in the alteration of plants to be more resistant to parasites, disease and drought. Modifying technologies such as CRISPR are also improving the nutrition, taste and yield of crops.
Many horticultural organizations and societies around the world have been formed by horticulturists and those within the industry. These include the Royal Horticultural Society, the International Society for Horticultural Science,[4] and the American Society of Horticultural Science.[5]
There are divisions and sub-divisions within horticulture because plants are grown for many different reasons. Some of the divisions in horticulture include:
It includes the cultivation of all plants including, but not limited to: ornamental plants, fruits, vegetables, flowers, turf, nuts, seeds, herbs and other medicinal/edible plants. This cultivation may occur in garden spaces, nurseries, greenhouses, vineyards, orchards, parks, recreation areas, etc. [citation needed]
Horticulturists study and practice the cultivation of plant material professionally. There are many different types of horticulturists with different job titles, including: gardener, grower, farmer, arborist, floriculturist, landscaper, agronomist, designer, landscape architect, lawn-care specialist, nursery manager, botanical garden curator, horticulture therapist, and much more.[9] They may be hired by a variety of companies/institutions including, but not limited to: botanical gardens, private/public gardens, parks, cemeteries, greenhouses, golf courses, vineyards, estates, landscaping companies, nurseries, educational institutions, etc. They may also be self-employed.[citation needed]
Horticulture began with the domestication of plants 10,000–20,000 years ago and has since been deeply integrated into human history.[2][3] The domestication of plants occurred independently within various civilizations across the globe. The history of horticulture overlaps with the history of agriculture and history of botany, as all three originated with the domestication of various plants for food.[3] In Europe, agriculture and horticulture diverged at some point during the Middle Ages.[10]
Early practices in horticulture include various tools and methods of land management, with different methods and plant types used for different uses. Methods, tools and plants grown have always depended on the culture and climate.[citation needed]
Many traditional horticultural practices are known, such as the Indigenous peoples of pre-colonized North America using biochar to enhance soil productivity by smoldering plant waste[11] – European settlers called this soil Terra Preta de Indio.[12] In North America, Indigenous people grew maize, squash, and sunflower, among other crops. Mesoamerican cultures focused on cultivating crops on a small scale, such as the milpa or maize field, around their dwellings or in specialized plots which were visited occasionally during migrations from one area to the next.[13] In Central America, the Maya involved augmentation of the forest with useful trees such as papaya, avocado, cacao, ceiba and sapodilla. In the fields, multiple crops such as beans, squash, pumpkins and chili peppers were grown. The first horticulturists in many cultures were mainly or exclusively women.[14]
In addition to plants' medicinal and nutritional value, plants have also been grown for their beauty, to impress and to demonstrate power, knowledge, status and even wealth of those in control of the cultivated plant material. This symbolic power that plants hold has existed even before the beginnings of their cultivation.[15]
There is evidence that various gardens maintained by the Aztecs were sacred, as they grew plants that held religious value. Plants were grown for their metaphorical relation to gods and goddesses.[10] Flowers held symbolic power in religious rites, as they were offered to the gods and given in ceremonies to leaders to demonstrate their connection to the gods.[10]
Plant propagation in horticulture is the process by which the number of individual plants is increased. Propagation involves both sexual and asexual methods.[16] Sexual propagation uses seeds, while asexual propagation involves the division of plants, separation of tubers, corms, and bulbs using techniques such as cutting, layering, grafting.[17]
When selecting plants to cultivate, a horticulturist may consider aspects based on the plant's intended use, including plant morphology, rarity, and utility.[18] When selecting plants for the landscape, observations of the location must be made first. Soil type, temperature, climate, light, moisture, and pre-existing plants are considered when selecting plant material for the location. Plant selection may be for annual displays, or they may be for more permanent plantings. Characteristics of the plant – such as mature height and size, colour, growth habit, ornamental value, flowering time and invasive potential – finalize the plant selection process.[citation needed]
Environmental factors affecting plant development include temperature, light, water, soil pH, nutrient availability, weather, humidity, elevation, terrain, and micro-climate.[1] In horticulture, these environmental variables may be avoided, controlled or manipulated in an indoor growing environment.
Plants require specific temperatures to grow and develop properly. Temperature can be controlled through a variety of methods. Covering plants with plastic in the form of cones called hot caps, or tunnels, can help to manipulate the surrounding temperature. Mulching is also an effective method to protect outdoor plants from frost during the winter. Inside, other frost prevention methods include wind machines, heaters, and sprinklers.[19]
Plants have evolved to require different amounts of light and lengths of daytime; their growth and development are determined by the amount of light they receive. Control of this may be achieved artificially with fluorescent lights in an indoor setting. Manipulating the amount of light also controls flowering. Lengthening the day encourages the flowering of long-day plants and discourages the flowering of short-day plants.[19]
Water management methods involve employing irrigation and drainage systems and controlling soil moisture to the needs of the species. Irrigation methods include surface irrigation, sprinkler irrigation, sub-irrigation, and trickle irrigation. Watering volume, pressure, and frequency are changed to optimize the growing environment. On a small scale, watering can be done manually.[19]
The choice of growing media and components to the media help support plant life. Within a greenhouse environment, growers may choose to grow their plants in an aquaponic system where no soil is used. Growers within a greenhouse setting will often opt for a soilless mix which does not include any actual components of naturally occurring soil. These mixes are generally very available within the industry and offer advantages such as water absorption and sterility.[citation needed]
Soil management methods are broad but include the applying fertilizers, planned crop rotation to prevent the soil degradation seen in monocultures, and soil analysis.[19]
Abiotic factors such as weather, light and temperature are all things that can be manipulated with enclosed environments such as cold frames, greenhouses, conservatories, poly houses and shade houses. Materials used in constructing these buildings are chosen based on the climate, purpose and budget.[citation needed]
Cold frames provide an enclosed environment; they are built close to the ground and with a top made of glass or plastic. The glass or plastic allows sunlight into the frame during the day and prevents heat loss that would have been lost as long-wave radiation at night. This allows plants to begin growing before the growing season starts. Greenhouses and conservatories are similar in function but are larger and heated with an external energy source. They can be built out of glass but are now primarily made from plastic sheets. More expensive and modern greenhouses can include temperature control through shade and light control or air-conditioning and automatic watering. Shade houses provide shading to limit water loss by evapotranspiration.[19]
Commercial horticulture is required to support a rapidly growing population with demands for its products.[20] Due to global climate change, extremes in temperatures, strength of precipitation events, flood frequency, and drought length and frequency are increasing. Together with other abiotic stressors such as salinity, heavy metal toxicity, UV damage, and air pollution, stressful environments are created for crop production. This is extrapolated as evapotranspiration is increased, soils are degraded of nutrients, and oxygen levels are depleted, resulting in up to a 70% loss in crop yield.[citation needed]
Living organisms such as bacteria, viruses, fungi, parasites, insects, weeds and native plants are sources of biotic stresses and can deprive the host of nutrients.[21] Plants respond to these stresses using defence mechanisms such as morphological and structural barriers, chemical compounds, proteins, enzymes and hormones.[22] The impact of biotic stresses can be prevented using practices such as incorporate tilling, spraying or Integrated Pest Management (IPM).[23]
Care is required to reduce damages and losses to horticultural crops during harvest.[24] Compression forces occur during harvesting, and horticultural goods can be hit in a series of impacts during transport and packhouse operations. Different techniques are used to minimize mechanical injuries and wounding to plants such as:[25]
Clustered Regularly Interspaced Short Palindromic Repeats (CRISPR) has recently gained recognition as a highly efficient, simplified, precise, and low-cost method of altering the genomes of species.[26] Since 2013, CRISPR has been used to enhance a variety of species of grains, fruits, and vegetables. Crops are modified to increase their resistance to biotic and abiotic stressors such as parasites, disease, and drought as well as increase yield, nutrition, and flavour.[27] Additionally, CRISPR has been used to edit undesirable traits, for example, reducing the browning and production of toxic and bitter substances of potatoes. CRISPR has also been employed to solve issues of low pollination rates and low fruit yield common in greenhouses. As compared to genetically modified organisms (GMO), CRISPR does not add any alien DNA to the plant's genes.[28]
Various organizations worldwide focus on promoting and encouraging research and education in all branches of horticultural science; such organizations include the International Society for Horticultural Science[4] and the American Society of Horticultural Science.[5]
In the United Kingdom, there are two main horticulture societies.[citation needed] The Ancient Society of York Florists is the oldest horticultural society in the world and was founded in 1768; this organization continues to host four horticultural shows annually in York, England.[29] Additionally, The Royal Horticultural Society, established in 1804, is a charity in United Kingdom that leads on the encouragement and improvement of the science, art, and practice of horticulture in all its branches.[30] The organization shares the knowledge of horticulture through its community, learning programs, and world-class gardens and shows.[citation needed]
The Chartered Institute of Horticulture (CIH) is the Chartered professional body for horticulturists and horticultural scientists representing all sectors of the horticultural industry across Great Britain, Ireland and overseas. While horticulture is an unregulated profession in the United Kingdom, the title of Chartered Horticulturalist is regulated by the CIH.[31] The Australian Institute of Horticulture and Australian Society of Horticultural Science were established in 1990 as a professional society to promote and enhance Australian horticultural science and industry.[32] Finally, the New Zealand Horticulture Institute is another known horticultural organization.[33]
In India, the Horticultural Society of India (now the Indian Academy of Horticultural Sciences) is the oldest society; it was established in 1941 at Lyallpur, Punjab (now in Pakistan) but was later shifted to Delhi in 1949.[34] The other notable organization in operation since 2005 is the Society for Promotion of Horticulture based at Bengaluru.[35] Both these societies publish scholarly journals – Indian Journal of Horticulture and Journal of Horticultural Sciences for the advancement of horticultural sciences.[citation needed] Horticulture in the Indian state of Kerala is led by Kerala State Horticulture Mission.[citation needed]
The National Junior Horticultural Association (NJHA) was established in 1934 and was the first organization in the world dedicated solely to youth and horticulture. NJHA programs are designed to help young people obtain a basic understanding of horticulture and develop horticultural skills.[36]
The Global Horticulture Initiative (GlobalHort) fosters partnerships and collective action among different stakeholders in horticulture. This organization focuses on horticulture for development (H4D), which involves using horticulture to reduce poverty and improve nutrition worldwide. GlobalHort is organized in a consortium of national and international organizations which collaborate in research, training, and technology-generating activities designed to meet mutually agreed-upon objectives. GlobalHort is a non-profit organization registered in Belgium.[37]
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:
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.
This tree service quickly came out and gave me an estimate. Showed up as promised, completed the work in a timely manner and cleaned up afterwards. I got three estimates and this one was reasonably priced. I will definitely be a repeat customer.
This gentleman is legit. I can tell you that my husband and I hired him in April 20 and he sent us an email with a certificate showing us that his company was insured and he was very prompt. He came out and took a look at the property and the trees and gave us advice and a free quote. We quickly decided on the spot to hire him . We decided on a price and a time and a date was set . He returned my questions via email and text message right away. He showed up very early. His men did a fantastic job, cutting down two very seriously high trees that were looming over the roof of our house and have had us worried for so many years. I highly recommend this gentleman and his team. They are very conscientious and professional, and we will be using their services again.
All professional service. Timely, efficient, friendly. I had big old dead trees that I feared daily were going to come down. I called them in an emergency and they came the very next morning, no problem, no excuses. The guys were about service and me as a customer. They saw what I needed and went above and beyond to make sure I was a satisfied customer. I am a satisfied customer. I will use this company again and again. Thank you Rudy.
We recently had five large pine trees taken down in our front yard. We had three bids from different tree companies. We also wanted the stumps ground as well as chasing roots above ground. Rudy was fantastic and his workers were very skilled and the clean up was exceptional. We would highly recommend them and not hesitate to use them again.