I'm with Sonny, hate to say it... around here, when they build, it almost seems like the builders do there best to abuse and kill a tree. No protection what so ever to try and save a tree. Trees will look like they are alive but they take a few years to succumb. If you started to save the tree as soon as you moved in, you might have had a chance... but no one thinks of that until it's too late.
PS. Pine beetle do not eat oak trees, you have wood borers... and they usually feed on dead wood.
PS. Pine beetle do not eat oak trees, you have wood borers... and they usually feed on dead wood.