This image and the others, are fraught with tell tale signs of why it failed,as TrevMcRev has pointed out.
Decay from the large wound to the side (or top as we see it in the picture), was probably performed by the home owner, or like he says, the builders, judging by the capacity of the cut, and the denseness of the crown. It was more than likely easier for them to 'Reduce' the size of the tree for their benefit by cutting off what was the balancing factor for the tree itself, promptly putting passers by and motorists in danger, albeit, in the future.
I would challenge to find out who and when this cutting occurred and file for damages against the owner/builders, for presenting a hazardous tree in the first place and for not having it rectified.
It is clearly obvious, that uneven weight, decay and massive compression were the cause for failure.
'Negligence'