Answered for Shelbyville, Shelby County.
The cambium — the living layer just under the bark that builds new wood and moves food down to the roots — was killed in that patch, and the tree is now conducting around a dead strip. A narrow strip gets grown over in a few seasons and leaves a scar. A strip that wraps far enough around leaves the tree partly girdled, and the crown above it thins as the remaining live tissue gets overloaded. Either way the exposed wood becomes an open invitation to borers and canker fungi that would not touch intact bark. In Shelbyville — Westside Historic, Riverbend and Five Points included, that's normally a tree trimming job at $250–$1,400. Not urgent.
Duke Energy Indiana serves Shelbyville per the IURC's service-territory GIS. Duke operates under the IURC tree-trimming rule (170 IAC 4-9): at least two weeks' notice before trimming, no removal of more than 25% of a tree and no topping without the owner's permission except in an emergency, no trimming beyond the easement or right-of-way without consent, and all debris removed within three days.
Shelbyville is the only town of its size around here with real canopy data coming: the Planning Department hired Davey Resource Group under an Indiana DNR grant to inventory every tree on city property and in the public rights-of-way from April through Memorial Day 2025, recording species, size and health, flagging invasives, and marking dead or hazardous trees and stumps for removal. Age tracks the housing rings — full-size canopy over the 1853-1939 Westside and the 1950s additions, and by inference much younger stock on recently annexed ground north of the city — with ash functionally absent after emerald ash borer reached all 92 Indiana counties by 2017.
There is no blanket permit to remove a tree from private property, but Shelbyville regulates trees harder than most Indiana cities its size. Under the Unified Development Ordinance (last amended November 5, 2025), landscaping standards are triggered whenever an Improvement Location Permit is pulled for a new primary structure or a 50%-or-greater expansion. Inside that trigger, all existing healthy, mature, non-invasive trees over six-inch caliper standing in a required setback shall be preserved — the owner may ask the Zoning Administrator to waive it only on a finding that preservation would substantially interfere with site development. Remove a healthy tree that counted toward landscape requirements and the replacement rate is three for one, like for like, under a newly approved landscape plan.
Landscape material may not be planted in a right-of-way or easement without permission from the City (or from the easement holder), though the ordinance expressly allows a tree canopy to project over one. The unpaved portion of an adjacent right-of-way must be fine-graded, planted and maintained with vegetative ground cover — so the abutting owner keeps the tree lawn mowed but does not get to plant it unilaterally. Nothing may overhang street curbs or pavement inside a right-of-way below 13 feet 6 inches, or reach into sidewalks below 6 feet.
11219 House St, Indianapolis, IN 46259
“These folks did a great job in coming to my rescue . We have One of the last remaining Ash trees in Forrest Common on the south side . It lost a…”
William Murphy · 2 months ago · Google
4621 S Brooklawn Dr, New Palestine, IN 46163
“I was fortunate to have Shawn Miller replace a large three in one window in my residence. He was extremely thorough removing the exterior cement…”
Ric Vega · 5 years ago · Google
201 S Morton St, Franklin, IN 46131
“Browns tree service provided A-1 service from the estimate from Kevin to crew supervisor Eliel and his amazing crew. They arrived on job site and…”
Mike Synesael · 3 months ago · Google
2067 Sunshine Dr, Greenfield, IN 46140
“We had a few things updated/upgraded on our property and cannot say enough good things about Doctor Tree & Landscape Specialists. They are truly…”
Brian Cross · a year ago · Google
646 S 600 W Building #5, New Palestine, IN 46163
“This is the second time we have hired Holmes for tree work at our home. A few years ago they removed a tree that was too close to our home and did an…”
Jennifer Kost-Barker · 2 months ago · Google
5067 W US Hwy 40, Greenfield, IN 46140
“This company is very courteous and friendly. They are prompt and fast at what they do. I had three large silver lead maples trimmed, seven dead ash…”
Zach Bailey · 7 years ago · Google
Distance measured from Shelbyville.