
A limb or trunk lying across a wire, a span sagging much lower than its neighbors, arcing, buzzing or popping sounds, scorched or smoking bark, lights browning out or only part of the house having power. A conductor can also be lying in wet grass looking completely inert.
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The tree has become an electrical conductor. Green wood and wet bark carry current, so the tree itself, any fence or gutter it touches, and the ground in a radius around a downed conductor can all be energized. Until the utility says otherwise this is an electrical incident that happens to involve a tree, not a tree job that happens to involve a wire.
Normally a emergency tree service job: $500 to $3,500 around Indianapolis, depending on size and access. A range, not a quote.