On red oak group members (pin, red, black, scarlet — pointed, bristle-tipped lobes), leaves bronze or brown from the tip and outer margin inward while the base stays green, then drop heavily in midsummer while still partly green. A crown can go from normal to bare in a few weeks, usually starting at the top. On white oak group members (white, bur, swamp white — rounded lobes), the same infection shows as scattered branch flagging spread across several seasons. Sometimes dark streaking in the sapwood beneath the bark of a wilted branch.
Within days
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A fungus is growing inside the water-conducting vessels while the tree plugs its own vessels trying to wall it off — which is why the foliage behaves like a drought that no amount of watering fixes. The species group is the entire prognosis: red oaks almost always die and die fast, white oaks frequently compartmentalize and survive. Equally important, an infected oak endangers its neighbors, because the disease travels underground between oaks whose roots have grown together. This is a neighborhood problem, not a single-tree problem.
This is normally a tree removal job, which around here runs $400 to $1,900 depending on size and access. Treat that as a range, not a quote — nobody can price it without seeing it.
12732 Castilla Pl, Indianapolis, IN 46236
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Lot 342, 5135 N Post Rd, Indianapolis, IN 46226
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8323 E 46th St, Indianapolis, IN 46226
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13255 Parkside Dr Apt 102, Fishers, IN 46038
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Distance measured from McCordsville.