Violent summer storms and dry conditions have caused an increase in insurance claims related to downed trees, local agents said. Kim Frazier Shaughnessy, an insurance agent with Ray Rogers State Farm Insurance on North Druid Hills Road, set out for Emory University after one of the area’s recent summer storms. The drive to the campus proved routine. But on her route home, Shaughnessy encountered a massive downed tree on Briarcliff Road. She avoided injury and none of her property was damaged. But not all area residents have been so lucky.