Hi,
You need to quote for the worst case senario,unless you climb and have a good look,or maybe a sqiz with binocular's,Kino present where insects are active generally means the tree is dealing with it,maybe a fracture,or cocky damage,if its a take down quote removal,reduction factor in your possibilities.
In The Words of A Wise man, Ask me if the limb will fail,once it's on the ground most definately!