Living with trees: What you need to know about storm protection and insurance coverage

As the Bay Area dries out from a parade of atmospheric rivers, leaving hundreds of downed trees in their wake, a new set of questions are facing residents: How can trees be protected and risks of damage and danger to life and property reduced? When the damage is already done, who pays?

With so many losses, just finding help is a challenge. We asked some experts for insight: Tree Davis, a nonprofit which plants trees in Yolo County; Michal Brower, State Farm Insurance public affairs specialist; and Elizabeth Hartman, spokesperson for Berkshire Hathaway GUARD Insurance Companies.

Q: How can I assess the risk of my trees?

A: Tree care can significantly

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