If you do the stump burn here you have to get a permit. If a utility line is anywhere near they will not issue you a permit. If you burn one without a permit the fire department comes and puts out your stump. Then they charge you for the service and the city fines you for burning without a permit. Stump grinders have to get a permit. They also have to have a large insurance policy. None of them will grind near an underground pipe. All of them give you a quote to grind plus the price for hitting any rock bigger than a sandwich as well as a brick, cement block, or a chunk of iron. Most stumps here either stay there for 40 or 50 years or they get poor boyed into submission like this fellow did.