They look like tent caterpillars to me. I always just take a long stick and remove the web along with the caterpillars. You could try feeding them to chickens....I think they die once removed from the tree but I sometimes squish just to be sure. They will eat the foliage but are probably not what is causing spots on your apples. They will strip a small tree of foliage if left on their own though. Some years here they are worse than others and some
trees, like our persimmons, are too tall to remove the web...they are large
enough trees they seem to survive the loss of some leaves OK.
"We're all just walking each other home." -Ram Dass
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