“Veterinarians, pet professionals, and pet owners alike want animals to have happy, healthy, full lives,” says Fear Free founder and CEO Dr. Marty Becker. “The problem is that humans and animals don’t speak the same language. When an animal is scared or in pain, we can’t explain that we’re helping them, so we have to show this through gentleness and species-appropriate actions.”

Since 2016, Fear Free has provided online and in-person education to more than 40,000 veterinary professionals, pet professionals, and pet owners. Fear Free programs provide pet owners and professionals with the knowledge and tools to look after a pet’s physical and emotional well-being.

“Understanding your pets’ emotions can improve their health and happiness and reduce the risk of injury to them and to people,” says State Farm assistant vice president Joe Strupek. “If State Farm can help responsible pet owners and pet professionals with resources to improve the quality of life for pets, we also improve the quality of life for pet owners. Then we truly are helping life go right for every family member – two-legged and four.”

Veterinary or pet professionals can learn more about becoming Fear Free Certified® by visiting fearfreepets.com. Pet owners can visit fearfreehappyhomes.com to access courses, articles, and videos to learn how to improve the physical and emotional health of their pets at home. Fear Free Happy Homes members also get access to monthly deals and a directory of Fear Free Certified Professionals.

State Farm and Animals

State Farm is one of the few insurance companies that doesn’t have a breed restriction list and doesn’t exclude insurance coverage because of the breed of dog owned. State Farm is involved in other programs to help four-legged family members and the people who care about them.

National Dog Bite Prevention Week – National Dog Bite Prevention Week is April 7-13, 2019. To draw attention to the importance of responsible pet ownership and educate people about interacting with dogs, State Farm and members of the National Dog Bite Prevention Week Coalition come together each year to share tips on reducing dog-related injuries.

Kindness is Powerful - Celebrity dog trainer Victoria Stilwell teaches children the value of kindness to people and animals. Sponsored by State Farm, the program also educates kids about how to interact with dogs.

State Farm Arson Dog Program – Since 1993, State Farm has been providing funding for the acquisition and training of more than 400 arson dog teams across North America. The program helps law enforcement locate evidence of arson at fire scenes.

Neighborhood of Good - Neighborhood of Good connects people with their passion, such as animals, through volunteerism. Together, we can turn caring into doing.

Animal Care and Veterinary Insurance – State Farm’s Animal Care Services Policy provides property and liability business coverage for veterinarians, groomers, trainers, kennels or pet stores.

Eleven days later, the house burnt down when a candle caught a box of clothing on fire. Luckily, the smoke alarm sounded in one of the bedrooms. The entire family escaped to safety thanks to their gift from the Red Cross and State Farm.

Home Fire Preparedness Arms Families

The American Red Cross Home Fire Preparedness Campaign rolled out across the country in October, 2014. The goal? To reduce the number of deaths and injuries from home fires by as much as 25 percent over the next five years by installing smoke alarms for families who need them.

Across the country, the Red Cross, along with local fire departments and community groups, are canvassing neighborhoods and teaching people about fire safety.

Ever wonder what thieves look for before breaking into a home? Well, we asked one…

Two teen boys speed up to a quiet house on their bikes. They look just like what they are: two young teens from middle-class backgrounds. But they also look nothing like what they are: repeat criminals intent to break into this house.

Charlie London* was one of those boys. Despite his relatively stable upbringing, he’d been shoplifting from local stores for a few years. Now, he was scoping out bigger game. His paper route let him pick likely targets; he and his friend would come back later to rob them. They were successful often enough to keep doing it, again and again, until the police officer showed up on London’s doorstep. Soon after, he found himself heading into the juvenile detention system. The good news—for London most of all—is that he is now a grown-up in every sense of the word: a happily married father to two young kids, and a teacher of adolescents. He turned his life around.

So we asked London to share what would have deterred him back in the day. The following actions may reduce your risk of a home burglary.

*not his real name

Keep the Lights On

“We have our house well lit all the time—24 hours a day,” says London. It won’t slow down a daytime break-in, but if a burglar has to choose between a brightly lit home and a darkened one, guess which one he’s more likely to go for? The Department of Justice classifies outdoor lighting as a security device—it’s that important. If you’d like to keep the electric bill down, motion sensors turn them on only when someone is stirring.

Trim the Hedges

Weed your garden and shovel your walk. If you don’t maintain your yard, it looks like you’re not home—and that’s very inviting. Also tall, overgrown shrubs make it easy for a thief to break in without someone noticing them. “You have to harden your target,” said London. Not only does an overgrown landscape provide cover to an intruder, but it can make it easier for thieves to climb in, so keep your lawn and garden tidy.

Fake a Daily Presence

You might be surprised at who is paying attention. “I was a paperboy back when I was breaking and entering,” explains London, “so I was familiar with all the households and their routines.” He knew when their occupants were home and when they weren’t—and if someone went out of town, he picked up on subtle cues. Foil similar burglars—have someone pick up your mail and packages. You can also leave a radio or TV on inside, giving the impression that someone’s at home—and awake. Or invest in a remote switch on system so you can control your lights or TV throughout the day. Also, when you do leave on vacation, minimize the amount of time your bags are visible on the curb.

Give Thieves a Sign

“If I saw a sticker for a home security system, that would have been enough of a deterrent recalls London. “Once, we broke into a house and an alarm went off. We immediately turned around and just ran.” Stickers for a home security system are one trick; another is a trusty BEWARE OF DOGS posting. “Dogs certainly would have discouraged me from breaking in, even though I knew my way around dogs,” points out London. If you happen to love dogs and can afford a home surveillance system, by all means go for it! But if you’re allergic or cash is tight, fake it with signs. Dummy surveillance cameras enhance the illusion and are not difficult to put up.

Invest In Double-Glazed Windows

There’s a reason you see barred windows in high-crime areas, after all—glass is vulnerable. Anyone can break it. “Once we made sure no one was home and no one was in visual range,” explains London, “our methods were very unsophisticated. We simply cracked a window.” If your windows are uncrackable small-time burglars, like London, are thwarted. Double-glazed windows are an expense, but they also help to insulate your home more effectively and cut down on street noise. Can’t afford it? At least keep your windows locked.

Use Technology to Your Advantage

While many robbery deterrents from London’s day remain unchanged, there’s a lot of new technology out there, ”home security was less sophisticated back then, and in our neighborhood it was also less prevalent,” he says. Today, home monitoring systems can make it far easier to keep your property secure even when you’re out of town. Systems like ADT Pulse and the Iris Smart Kit from Lowe’s allow you to keep an eye on your home remotely through a smartphone or tablet. Discourage intruders by using home automation features that allow you to lock doors remotely or sound an alarm and record video if your front door opens unexpectedly. With all the recent advancement in technology, a home monitoring system is a great way to deter intruders and keep an eye on your home while away.

…But Not Your Disadvantage

It’s all well and good to be wired and connected, but consider who might be connected to your connections. Never advertise your comings and goings on social media—78 percent of burglars in a British poll said they’ve used Twitter, Facebook, Foursquare and other social media platforms to target likely properties. More than half said online status updates clued them in to who was home—and who wasn’t. First things first—turn off location services on your phone, which bad guys can (and do) use to figure out where you are. If you’re on a fabulous vacation, wait till you’re home to post the photos to Instagram.

Store Things in Less Obvious Places

Even if you do everything right, a burglar still can make it in, so keep your stuff out of harm’s way. Don’t keep jewelry in the master bedroom—don’t keep prescription drugs in the medicine cabinet. Burglars want to get out quick, so if they don’t find what they’re looking for in the first 10 minutes, they’ll leave rather than search. And for heaven’s sake, don’t leave your house keys near the doorway! According to the British poll, more than half of those surveyed said homeowners practically invited them inside, leaving their keys easily accessible.

A hail research field study isn’t exactly anyone’s idea of romantic. Swapping candle lit dinners for life on the road chasing storms probably wouldn’t work for most couples. But Dr. Tanya Brown and Dr. Ian Giammanco are anything but conventional.

Dr. Tanya Brown is the lead research engineer and director of hail research for the Insurance Institute for Business and Home Safety (IBHS). She conducts a major field study on hailstorms with a team that includes lead research meteorologist Dr. Ian Giammanco.

In addition to their research, the pair also happens to be dating.

Giammanco and Brown met while attending graduate school at Texas Tech University in Lubbock, TX, where they worked on several thunderstorm and hurricane field research projects. Since then, amid week-long beef jerky binges and of course the storms, Giammanco and Brown found some common ground.

The Research

IBHS develops safety research that can be translated into real world solutions, and the hail study is no exception. Giammanco and Brown seek to improve weather forecasts and influence the design of roofing products to be better prepared for hail damage.

Their hope is to leverage this study to decrease property losses caused by hail. The the work is being done in the central plain region of the United States. They study hail characteristics such as size, shape, density and hardness, so they can come as close as possible to Mother nature when they produce hailstones at the IBHS Research Center.

Love at First Hail

According to Brown, “We definitely did not have a love at first site kind of relationship. We had known each other for at least a year before we really ever had a conversation more than just saying hi while passing in the hallway.”

At the time they met, years before the hail field study had begun, they realized they both had a passion for field research.

It takes a special kind of love not only to be research partners, but also life partners. Brown explains, “I’d say our dedication to field work is what really ties us together.”

Bonded by a common goal that will eventually benefit the common good , their relationship is the perfect blend of uniqueness. “There’s not a lot of people out there that will basically give up their whole life for weeks or even months at a time to live in crummy hotels and eat fast food every meal of every day, not to mention braving the wind, hail, rain and storm surge, and actually enjoy doing it and get to do it with their significant other,” says Brown.

Benefits of the Study

The pair remains motivated; they believe in the good that this study will be able to produce. According to IBHS, as the population increases and the spacing between buildings decrease, there has been a significant uptick in damage due to hailstorms. In fact, from 1999 to 2011 hail was the number one cause of losses for Texas homeowners coming in at $10.4 billion according to The Texas Department of Insurance.

State Farm supports the work of Dr. Brown and Dr. Giammanco and believes in the good that can come from this kind of research. Besides studying hail, researchers also test hail resistant roofing material in the hopes of preventing damage. The field study also seeks to improve weather forecast models and hail detection.

Ups and Downs

But working with a loved one isn’t always easy, “we do disagree sometimes about the project, but ultimately we will arrive at what is best for the project, and that is a big reason that we’ve been so successful,” Giammanco says.

Ultimately their differences complement each other, Giammanco explains, “Tanya makes sure that I let things go when I need to so that I don’t obsess about things like a missed forecast or not enough data.”

Brown explains further, “We have worked together for so long that we really have a natural rhythm, and each take advantage of each other’s strengths. There are a lot of things I don’t have to worry about taking care of because I know he’s got my back and vice-versa. It makes us really efficient and successful.”

The most difficult part of their nomadic relationship is having them both away from home at the same time, “there’s no one there to check the mail, water and cut the grass, and most importantly, take care of my beagles,” Brown says.

But they know they are meant to be together. “Tanya is the only girl I know who would swim and wade through storm surge water to retrieve instrumentation during a field project, so she is the girl for me!” Giammanco says.

The Impact

With all the good Brown and Giammanco hoped would come out of their studying of severe weather, love was not what they expected, but they’re glad it did. Even still, they remain dedicated and focused on their work, Brown says, “We definitely push each other to achieve success and fill in each other’s gaps, which makes us well-suited to tackling such a complex issue such as hail. We’re definitely looking forward to continuing our research partnership both in the field and in the lab, and look forward to making a huge impact in the coming years.”

The more successful the study is the better educated homeowners, insurance companies, and roofing manufacturers can be. With this knowledge and combined power, hailstorm damage can hopefully fall significantly.

2013 IBHS Hail Field Project Highlights from IBHS on Vimeo.

When nature takes a walk on the wild side, we realize how prepared we really are – or aren’t. Three families share their stories as well as what they’ve learned as they’ve recovered from their disastrous weather encounters.

Jack McDonald had been settled in his little corner of Ellensburg, Washington, for 17 years with his wife, their horses, their dogs and “the coolest gang of cats you ever saw,” he says. You might not think of the rain-soaked Pacific Northwest as at risk for wildfires, but they were on the edge of open range and had come close in the past. 

On August 13, 2012, his wife called. She could see the smoke and said, "We gotta get out of here.” Twenty minutes later the horses were loaded in a trailer and their dogs were in her car. He could see the fire in the distance. “The winds were horrendous – 60 miles per hour across the ridge – but it looked like it might miss us,” he recalled.

McDonald put the cats in their double-wide mobile home and was giving his wife a hand with the horses when he heard that the fire was spreading – and had changed course. “I came back up to my ranch, and it was clear that my house was in danger. I was going to go get the cats, but the fire chief stopped me. The fire had already swept in.” 

The McDonalds’ home burned down to the crawlspace, leaving nothing but ash. “Glassware and cookware had melted into puddles,” Jack recalls. “We recovered nothing”

They began replacing their belongings as soon as they could. That’s when insult added to injury. “I bought the minimum amount [of insurance] I could get, trying to save money,” McDonald admits. They’re living in a smaller rental now. “We had to cut back on a lot of things, like buying used furniture. I don’t mind used furniture, that’s not the point. What makes me sick is thinking of what’s irreplaceable.”

What To Do:

Wildfires can’t be predicted the way hurricanes or blizzards can. David Miskus, a drought-monitoring meteorologist with the National Oceanic and Atmospheric Administration (NOAA) says overall, we’re expecting more intense dry spells, more warm spells. The closer your home is to the range or the brush, the more at risk you are.

• Clear away brush. It's a fire hazard. Instead of watering to maintain lush green areas, make sure to remove brush.
• Gravel is your friend. Create a buffer zone between your home and potential fires with strategically placed gravel and other rock.
• Don’t light fires during a burning ban. Sounds obvious – and yet again and again, wildfires begin when someone does this.

Don Frank was sitting in his law office on the ninth floor of a building in downtown Springfield, Massachusetts. This particular day several years ago started out hot and sunny. But it was turning peculiar. The view out his window was Frank’s first clue.

“Way out over the Berkshires I saw this cloud,” Frank remembers. “It was moving quickly. My office mates turned on the radio. We heard there was a crazy tornado situation coming through Massachusetts, but somehow the idea of being affected by a tornado seemed implausible.”

After all, tornadoes happen in big-sky and prairie country, and in the South - not in New England!

“I could see what was now clearly a tornado forming. It was coming right over the river, which is a block and a half from my office,” Frank recalls. “I still wasn’t worried, because we all know tornadoes never affect people in Springfield. I thought it might knock down power lines, and if I end up stuck someplace, I’d rather it be home.’”

What Frank did next was the opposite of what you should do during a tornado warning. He got into his car. He even offered his office mate a ride. “As we drove out of the parking lot, we came into very, very high winds – but I was still pretty sure nothing bad would happen to me!”

But bad things happen to everyone, no matter where they live, right when they least expect it.

“The tornado went up and over my car,” Frank says. “In a second my car was completely engulfed in debris. My office mate sort of slid down in her seat. I shut my eyes, and at that moment I heard a giant kaboom! My back window pulled out with the pressure differential. Stuff was blowing into my car. As fast as the tornado hit – literally three seconds – it left.”

Frank saw a steel girder from a building lying across the street about 20 feet from his car. He counts himself incredibly fortunate – he was unhurt and was even able to repair his car. But something shifted for him that day. After he got home he tried to shrug off the events of the afternoon and met some friends for a bike ride.

“We were just rolling out on our bikes when that same freaky tornado-like wind blew,” he says. “I was obviously reliving the trauma. Suddenly, I had barely enough strength to bike home.” He no longer operates under the assumption that bad things couldn’t happen to him.

What To Do:

Tornadoes can happen almost anywhere – even in New England. Tornadoes are hard to predict, and there is often too little time to get out of their way. Here are some wise precautions you can take.

• Get a good storm door. The Federal Emergency Management Agency (FEMA) has identified certain storm doors that can withstand 250-mile-per-hour winds. If you live in Tornado Alley - from the Rockies to Appalachians -  install one of those.
• Strengthen your garage. A garage door can be especially vulnerable during high winds. If your garage is attached, that spells trouble for your whole house. A reinforced, windowless door is your best bet. You also can install vertical bracing that helps to reinforce the door.
• Secure your windows. If you’ve heard you should open windows during a tornado, you’ve heard wrong. Instead, investigate DIY systems that clip plywood to your windows – no nailing necessary.
• Consider installing a safe room. If you live in an area prone to tornadoes, this might be the best move you can make. It won’t protect your home but will protect you and your family – and that’s what’s truly irreplaceable.

Patrick and Tammy Stewart's cross country move was wrenching. "We were leaving our first home. We had bought as a fixer-upper and I literally painted every single inch of every single wall,” Tammy says. “It was our first house, and we loved it.” But career opportunities beckoned, so in January 2010 the Stewarts rented out their beloved east coast home and drove across country to California.

Almost two years later, when they were between tenants, Tammy noticed news reports predicting a particularly bad East Coast storm. The Stewarts had several 70 year old trees on their property and feared something could go awry.

Sure enough, the morning the storm made landfall, Tammy got an email from her old neighbor. Tammy recalls the subject line said, "It’s not too bad!” Attached was a photo of a tree that had fallen. The neig

hbor described it tipping in slow-motion, right into the house.

The Stewarts panicked. “We were 3,000 miles away, and this was an emergency," Tammy recalls. "What were we going to do? We had to get the tree off the house to prevent further damage..and new tenants were arriving in just two days! The first thing we did was call State Farm, then the tree guy.”

Acting quickly, the Stewarts’ agent assessed the damage. The tree was chopped up and hauled away. A contractor came out to make sure the house was structurally sound. Thankfully, it was. The Stewarts were lucky. Really lucky because, as Tammy admits, they didn’t really know what was insured.

“We got the insurance we were supposed to have as property owners. We didn’t know what was actually in our policy,” she says, “What was covered, what wasn’t. I didn’t even know what our deductible was!”

Tammy is glad the event forced her and Patrick to become more informed. That tends to be the case for a lot of people. “You get what you’re supposed to get with the thought that nothing will really happen," Tammy said. "It was eye-opening. We were so lucky we had no flooding, because I know now we weren’t covered for that.”

In the midst of the hassle, the Stewarts haven’t lost sight of the silver linings. “We had never exercised our policy,” she says. “With State Farm it went really smoothly - even with us in California. We were surprised too, given the damage back [on the East Coast], that our relatively small claim was handled so quickly.”

What To Do:

Hurricanes and strong storms pack a major punch. It’s important to be prepared. As with any dangerous storm or peril, listen to and react appropriately to evacuation and/or safety messages delivered by local weather and law enforcement authorities.

• Prepare for high winds. Add window protection and reinforce entry and garage doors. Pull all lawn furniture, planters and garbage cans inside. Anything not tied down is a potential projectile.
• Stock up. Make sure you’ve got batteries, flashlights, and enough water and nonperishable food to last a few days. Fill large containers with water for washing and flushing, and gas up your vehicles.
• Look into flood insurance. If you don’t live in a floodplain, chances are you’re not covered for flooding. Most flood insurance is provided by the National Flood Insurance Program, not covered under standard homeowners policies.

It’s that time of year…the sizzle of the grill, the smell of fresh cut grass, flowers in bloom, family vacations, baseball, and of course cooling off while enjoying the water. Unfortunately, along with the fun being in and around water can bring, it is also the time of year when we hear and read about the tragedy of water related accidents and deaths.

An alarming fact to consider is how fast it happens.

This summer, you can be a good neighbor by making your pool safer for kids. Call a specialist in your area for an inspection and remember these tips:

1. If it’s not a designated time for enjoying the pool, make it impossible for the kids to sneak out alone.

2. Restrict access to above ground pools.

3. Make sure your pool is surrounded by a fence.

And whether you are at the pool or the beach, here are a few things to do when you’re with kids around water:

4. Be part of the action

5. Keep your eyes on the kids at all times. Always stay within arm’s reach of young children and put down the phones.

6. Remember, friends make everything more fun!

Enjoy your summer and keep your family safe. Visit www.redcross.org/prepare/disaster/water-safety for more safety tips.

Sadly, his small town community has faced tornadoes of historic proportions – two of those storms among the strongest ever recorded. His city, home to beautiful neighborhoods and thriving economic development, has earned the unfortunate distinction as the frequent target of killer tornadoes.

“By 2013 we were beginning to ask some questions of each other,” said Terry Cavnar, State Farm Agent and Moore City Council Member. “We can no longer ignore this. We can’t say this isn’t going to happen again because it continues to happen. So, we began to look at the options.”

In the past 15 years, the city of Moore has fallen victim to tornadoes on three separate occasions. In 1999, an EF-5 tornado swept through the community causing $1.2 billion in damage, and taking 40 lives. In 2003, an EF-4 devastated the town. Most recently in 2013, Moore faced a second EF-5, killing 24 and causing $2 billion in damage.

After each storm, Drake and other city officials were left to wonder what – if anything – they could do to better prepare their community for these catastrophic storms. After the 2013 storm, they decided to take action.

A Time To Act

The search for answers led to the formation of a special committee made up of council members, builders and citizens to re-examine building codes and ensure all new construction was best equipped to deal with extreme weather.

The committee called on Chris Ramseyer, Associate Professor-Civil Engineering at the University of Oklahoma to help in the planning effort. Even before the 2013 storm, Ramseyer had been studying the performances of residential structures in high-wind events and was very familiar with the city’s plight.

“I was here the next morning,” Ramseyer said of his hours following the 2013 tornado. Amongst the utter devastation, Ramseyer found what he was looking for. “We had a house with a slab essentially wiped clean. It was EF5 damage,” he said. But just seventy feet away, a home stood largely intact. The two homes were too close to have provided for much difference in wind speed, Ramseyer concluded that the structure must have saved the second home.

The committee developed their plan of attack and agreed all future homes needed to be practical, affordable and repeatable on a large scale.

“Chris looked at it from both structural integrity and also cost. The impact it would have on the cost of residential construction,” said Drake. “And I think the homebuilders bought into that, and they had confidence in him.”

Building Better AND Stronger

The result was to refine the building technique, rather than adding new materials. The new approach called for a change in the basic house framing, pushing builders and contractors to expand upon their normal approach. Longtime Moore builder, Tom Pollard notes,“ it’s not even a big cost issue, it’s just an educational process.”

“The biggest difference is in the framing,” said Cavnar. “With some more tie-ins, especially between the walls and the roofing, strengthening in your openings, framed openings, windows and doors.”

In addition to the added protection, there was more good news: The cost.

“Our research shows that you can do it for a cost of roughly a dollar a square foot,” said Ramseyer.

Drake and the committee are enthusiastic about this new approach as a means to protect, preserve and prepare the homes of Moore.

“We were ecstatic,” said Terry Cavnar. “We could do something that would withstand an F3 tornado, 135 miles an hour, for a minimal amount of cost. We were thrilled.”

And while the success of these measures will ultimately be born out in the coming tornado seasons, for now this process stands out as a great example of what can be accomplished when a community works together.

“This has been one of the easiest code changes I’ve been involved in,” said Drake. “I didn’t think that would be the case when we started this process, but it was.”