A single tree featured in a home yard has a higher dollar value than a tree in the middle of a forest. Trees rated by an assessor like Arbutus Tree Service as having perfect form and in peak health are more valuable than diseased, poorly shaped specimens. Well-cared-for trees are more valuable than trees with obvious signs of neglect, lawn mower injury and insect damage.
Just as insurance providers recommend keeping photos and records of other household valuables, they also suggest periodically making a photographic record of trees and other landscape plants in case the need for valuation arises. Attempting to assess the value of your trees can be difficult, or less accurate, after damage happens.