As an arborist, one of the things that I see most that is detrimental to
trees is grade changes and root impact. What you see in the air on the tree is nothing without the vast network of roots and fungi in the soil. Disturbing that balance can often be the thing that sends a tree into a spiral of decline and an untimely demise. Often times the stress of root impact and grade change is what attracts insects that then attack and kill trees. I would recommend not doing grade changes under the
drip line of the tree (the point that a drop falling from the outermost tips of the tree would
land) or if you do, make them very minimal and do them incrementally over multiple years. Never backfill around the stem or the root flare at the base of the tree.
Having a consulting arborist look at the tree in question is always a good first step. That might tell you how long lived the variety it is and what kind of stress that variety can typically take in your environment. I am curious what variety it is as well.
Best of luck
Ryan