My definition of fine is, there's thousands of trees like that one, and worse standing next to houses. Yes, the included bark is a sign of a poor branch structure, and it should be removed soon, but its been standing there for 20+ years with that same branch structure, a couple months till winter to save $500 seems like a fair gamble.
I'll post some pictures of MONSTER trees with included bark that stood through some nasty storms. I started my own business as a tree removal company after 4 years of experience working for a professional arborist (ISA certified) but turned directions after having my son, and a reason to come home every night.
This tree didn't suffer damage because of an inclusion, but I've removed a few that stood threw tornadoes.
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