What matters most
A recent change after wind or saturated soil is a stronger reason to keep people clear and request an assessment.
Look at the whole tree and the target
Tree decisions are not made from one symptom alone. Consider the trunk, major unions, canopy, visible roots, recent changes, storm history, and what would be affected if a branch or the tree failed. Conditions that are acceptable in an open area can be more urgent when a home, vehicle, walkway, or utility is within reach.
When professional help makes sense
If the concern involves height, large limbs, unstable wood, a tree near a structure, or anything that would require climbing or powered cutting above ground level, professional tree work is the safer route. Keep people clear of visibly unstable areas while the situation is being evaluated.