A modelled range is only as useful as your understanding of where it breaks down. These are the conditions under which the figures above will be wrong, published so you can cite them honestly or discount them appropriately.
—Structural damage is excluded throughout. These figures cover getting the tree off and away; repairing what it landed on is a separate trade and frequently the larger number.
—Insurance deductibles and coverage limits are not modelled, and they determine what you actually pay rather than what the job costs. A $2,800 extraction against a $2,500 deductible is mostly an out-of-pocket expense.
—Emergency pricing is demand-driven and therefore genuinely volatile. The 25% to 100% premium is a normal range, not a ceiling; after a major regional storm it can go higher, and availability rather than price becomes the constraint.
—The tables assume the tree is accessible to equipment. A trunk across a hillside, a septic field, or a fenced back garden with no gate access is a different and slower job.
—Tree condition before the fall affects both cost and coverage. Insurers treat a healthy tree brought down by wind differently from a dead one that should have been removed, which is why an arborist statement is worth obtaining early.