Scam alert. Often unqualified people claiming to be arborists will tell you they'll cut your tree down, when the tree is perfectly healthy. Take pictures of the tree and contact the University of Florida Ifas extension office.
Sumter County Extension Office ? Solutions for Your Life - UF Institute of Food and Agricultural Sciences
Perhaps they will give you an email address to send your picture to and advise you by phone.
Plant clinics are held every Monday from 9 to 3 at the 466 sumter co. annex where you can have questions of the sort answered. If your tree needs to be cut down they can also give you a list of certified arborists.