Reading this statement, I couldn't help but notice that you're giving a professional opinion without charging a fee. I appreciate that you're trying to extend top notch service to your clients but this might place you in a precarious position with your insurance company. My own errors and omissions insurance requires that I be under contract with the client and that I have received payment for services, in order for my opinion to be insured. Since my policy premiums are based on how much revenue I take in per year, they don't want to cover opinions that didn't contribute toward that revenue/premium calculation. If you were to render a free opinion and the tree later failed, you might find yourself in a cold and lonely place if your professional insurance underwriting company isn't willing to back you. You might want to discuss this with your agent to get guidance with regard to providing professional services without collecting a fee.