I got a quote from Michael's for $1000 + $250 for the stump grind/removal.
The branch union does have some kind of weird growth, found some black substance and pill bugs. I cleaned it out a little, here's a pic:
Also, after it rains the hole on the other side does leak water the day after. You can notice the stain:
I want to wait until winter so I can get it done a little cheaper. Do you think it has to come down now though?
Also, what should I be looking out for in terms of signs that it will fail soon?