The Hidden Dangers of Hiring Uninsured Tree Cutters in Louisville

The Importance of Hiring a Qualified Tree Service in Louisville

When it comes to tree removal or trimming, many homeowners seek the cheapest deal. This is understandable, but it can also be dangerous. In Louisville, numerous so-called “tree guys” offer fast and cheap services. The problem is that most of them aren’t insured, trained, or qualified to be near your property with a chainsaw.

At Shults Tree Service, we’ve seen the aftermath firsthand—broken fences, smashed roofs, injured workers, and homeowners left holding the bill. Before you let someone start cutting in your yard, here’s what you need to know.

1. If They Get Hurt, You Could Get Sued

Tree work is one of the most dangerous jobs in the country. If an uninsured climber falls from your tree, your homeowners insurance could be on the hook. You might face lawsuits for medical bills, lost wages, or permanent disability.

Ask yourself: do you want your house, your car, or your savings on the line because you hired a guy with a Craigslist ad and a rusty chainsaw?

2. No Coverage Means No Accountability

When a tree crashes through your roof or a limb falls on your neighbor’s car, the last thing you want to hear is “Sorry, not my problem.” Uninsured tree cutters have no liability insurance, leaving you responsible for the costs if something goes wrong.

At Shults Tree Service, we carry full liability insurance and workers' comp, so our customers don’t have to worry. We do the job right—or we make it right. Period.

3. Most of Them Aren’t Arborists… or Even Skilled Climbers

Just because someone owns a pickup and a chainsaw doesn’t mean they know what they’re doing. Untrained workers might spike a healthy tree you wanted to keep, make dangerous cuts, or drop heavy wood where it shouldn’t go.

We’re not weekend warriors. Shults Tree Service is ISA Certified, and our crew includes skilled climbers, not amateurs. We use advanced rigging techniques, climbing systems, and safety protocols to protect both your property and your trees.

4. Louisville Law Is Catching Up—But It’s Still on You

Some cities are starting to crack down on unlicensed or uninsured contractors, but enforcement is slow. If your contractor doesn’t have proper coverage and damages power lines, city property, or utilities, you could still be liable.

The burden falls on the homeowner to hire someone legitimate.

5. How to Tell If a Tree Company Is Legit

Before you hire anyone, ask for:

• Proof of liability insurance (and call the provider to verify it)

• Proof of workers' comp insurance

• ISA Certification or proof of training

• A written estimate and contract

  
  

If they give you a sob story or say “trust me,” run.

The Risks of Choosing the Cheapest Option

Choosing the cheapest option may seem appealing, but it often leads to more significant problems. Unqualified workers can cause extensive damage, leading to costly repairs. Additionally, hiring someone without proper training can result in accidents that put lives at risk.

Investing in a qualified tree service is a smart choice. It ensures safety, protects your property, and provides peace of mind.

Don’t Gamble with Your Home. Call a Local Pro You Can Trust.

At Shults Tree Service, we’re local, insured, certified, and trained to do the job the right way—the first time. Whether it’s a dead tree hanging over your house or a cleanup after a storm, we’ll give you peace of mind, not a legal headache.

📍 Serving Louisville and the surrounding areas

📞 Call or text us for a free estimate: 502-552-2350

🌐 www.shultstreeservice.com