MISS DIG comes first
Michigan's underground facility law (Public Act 174 of 2013) defines excavation as moving or removing earth below grade with power equipment, and requires a dig notice to MISS DIG 811 at least 72 hours before work, not counting non-business days, and no more than 14 calendar days ahead. The law also sets a caution zone of 48 inches on either side of a utility's marks. Inside that zone, the facility must be exposed by soft excavation before power equipment is used. The City of Saginaw's engineering page repeats the advice: allow three full working days before you dig.
Stumps near the street, the driveway, or the side of the house are exactly where gas, water, and communications lines run. The provider usually files the ticket. Ask them to confirm it.
Saginaw clay and what's left behind
The county's soils are mostly poorly drained clays and silty clays laid down on the bottom of an ancient glacial lake. Parkhill, Tappan, and Zilwaukee are among the major soil types mapped here. Two practical effects follow. First, heavy equipment on wet clay can leave ruts, so spring grinding may wait for firmer ground. Second, wood chips mixed into clay hold water and settle as they break down. Many homeowners have the grindings hauled away and the hole filled with topsoil before reseeding.
Roots and surface roots
Grinding removes the stump and the root flare near it, not the whole root system. Large surface roots running across a lawn can be ground too, but each one adds time. Say whether you want just the stump or the visible roots as well.
Oak stumps and oak wilt
If the stump is from an oak that died of oak wilt, the DNR points out that the disease can move through root grafts to neighboring oaks. Grinding a stump does not break those root connections. If you have other oaks nearby, ask the provider what, if anything, can be done to protect them.
Pricing context
HomeGuide's published national averages are $120 to $400 for one stump and $30 to $60 for each additional stump, with very large stumps at $300 to $800. To get comparable estimates, count your stumps, estimate their diameters at ground level, and note any fences or gates the machine must pass.