Now more than ever, it's important to prepare your home and family to be #HurricaneStrong.

The NOAA 2020 outlook (released May 21) called for 13 to 19 named storms, six to 10 hurricanes and three to six major hurricanes – one that is Category 3, 4 or 5, with winds of 111 mph or higher. So far, there have been 25 named storms, nine hurricanes, and three major Hurricanes – Laura and Teddy and Delta.

The 30-year (1981-2010) average is 13 named storms, seven hurricanes and three major hurricanes.

State Farm® has joined the Federal Alliance for Safe Homes (FLASH) to help spread the word about the importance of hurricane preparation ahead of the storm.

Visit the interactive #HurricaneStrong website to learn about hurricanes and how to keep homes and families safe before, during, and after a storm. It stresses these 5 major components to being prepared:

1. Know your evacuation zone.
2. Build a disaster supply kit.
3. Have an insurance check-up.
4. Strengthen your home.
5. Help your neighbor.

www.HurricaneStrong.org even has a special page for children to help them understand their role in the safety process.

In the News:

• WBRC-6:  Time to prepare for inland flooding from Hurricane Sally is now (9/14/20)
• Houston Chronicle: Season's first hurricane gives Texans a taste of how COVID has shaped insurance claims (8/4/20)
• AccuWeather: Now is the time to prepare for hurricane season (6/1/20)

Arson dogs are trained to work with a human handler and find evidence at fire scenes. The dogs are searching for accelerants such as gas, oil or fuel used to start fires. State Farm is the only company in North America that provides funding for the training of arson dog teams.

The State Farm Arson Dog Program is available to fire departments and law enforcement agencies across the United States. Since its beginning in 1993, the program has placed more than 425 dogs in 46 states, three Canadian provinces and the District of Columbia.

Arson is one of the most difficult crimes to solve, as the evidence literally burns up. Insurance fraud causes billions of dollars in damage each year. In fact, many police and fire departments are seeing an increase in suspicious fires because of business closures, financial challenges and social disruption.

"Fire investigators should have every tool possible to combat this deadly crime," said Heather Paul, State Farm Arson Dog Program Coordinator. “These dogs help fire investigators to do their job. Arson dog teams can quickly locate evidence of accelerants such as gasoline or fuel used to start a fire.”

Meeting and training with a new best friend

All of the dogs are Labrador retrievers and come from animal rescues or disability assistance programs. The dogs are trained months before they meet their human handler and must work for every meal. When the dog smells fuel, they sit down and point with their nose. Their “reward” is a handful of dog food and praise. They can locate accelerants quickly, even if it is buried under debris.

Canine handlers are police detectives or fire investigators. The training class is four weeks long and the handlers know it will be intense. Over the four weeks, the handler and dog will repeat training drills multiple times a day. Food reward dogs only eat from the hand of their handler so these training drills will be repeated multiple times a day for the life until the dog retires.

Following a month of classes and drills, the arson dog teams are tested and certified by the Maine State Police. Once certified, the teams travel back to their communities to begin investigating fires. The dogs live in the home of their handler and they retire in the home of their handler. For the men and women training in the program, working with a dog is a career highlight.

Congratulations to the newly certified teams in Class No. 52!

1. Fire Chief Billy Dillon & K-9 Piper - Howe Springs Fire Rescue (Florence, SC)
2. Special Agent Michael Kuban & K-9 Phantom - Office of the Illinois State Fire Marshal (Springfield, IL)
3. Special Agent Kenny Arnold & K-9 Gunny - Office of the Illinois State Fire Marshal (Springfield, IL)
4. Special Agent Jeff Pride and K-9 PJ - Office of the Illinois State Fire Marshal (Springfield, IL)
5. Captain Stephanie Schofield & K-9 Jennifer - Rawlins Fire Department (Rawlins, WY)
6. Fire Inspector John Neeb & K-9 Mika - West Fargo Fire Department (West Fargo, ND)
7. Fire Investigator Thomas Cantola & K-9 Maya - Girard Fire Department (Girard, OH)
8. Fire Investigator Brian Acors & K-9 Erny - Richmond Fire Department (Richmond, VA)
9. Arson Investigator Darren Jurado & K-9 Brownie - Compton Fire Department (Compton, CA)
10. Fire Investigator Lee Maness & K-9 Vinny - Cobb County Fire and EMS (Marietta, GA)
11. Detective Michael Douglas K-9 Ruthie - State of Florida, Division of Investigative & Forensic Services (Tampa, FL)
12. Detective Cody McIntyre & K-9 Rico - State of Florida, Division of Investigative & Forensic Services (Tallahassee, FL)
13. Firefighter Brent Autry & K-9 Tony - Milan Fire Department (Milan, TN)
14. Assistant Fire Chief Jim Kanavy & K-9 Mikey - Scott County Fire Department (Georgetown, KY)

Arson Dog Calendar

Each of this year's class of K-9 crime-fighters is featured on one of the calendar pages below. Click to download.

In the News:

• West Fargo Pioneer: Fire corner: Welcoming Mika to the team (09/30/20)

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Dan Krause, Senior Vice President. “As a result, we’re looking for ways to continue supporting our South Carolina customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

To get the claims process started, you can file your claim online, call 1-800-SFCLAIM (800-732-5246) or contact your State Farm agent.

The State Farm Weather and Catastrophe Team is being dispatched to the hardest hit areas. Click the image to learn more about the capabilities of this industry-leading response unit.

More tips and resources:

• Avoid driving if possible. If you have to travel, turn around if the road is flooded or blocked by debris.
• Stay away from downed power lines. Anything touching the power line can carry a charge. Report the downed line and avoid the area.
• Simple Insights:  Hurricane disaster cleanup after the storm

In the News

• CBS WINK TV (Fort Myers, Naples, FL)  Time to review you insurance coverage (08-29-19)
• NBC Ch 6 (Miami) - Are You Ready for Dorian? Get ready now (08-27-19)
• El Nuevo Herald (Miami, Ft. Lauderdale, FL - Spanish) Is my home insured for hurricanes? (08-26-19)

“We’re always evaluating how we can best serve our customers and are very pleased to be able to offer this rate decrease in South Carolina,” said State Farm Vice President-Agency Becky Blevins. “Improving expenses and losses were important factors, among many, that supported our decision to make this rate change.”

Overall changes in premiums for individual motorists will vary depending on the specific details of an individual customer’s policy and chosen coverages. The effective date for new and renewal business is March 18, 2019. Customers with questions can contact their local State Farm agent to discuss their individual situation.

In addition to this rate reduction, State Farm agents are able to review with new and existing customers the many opportunities for additional discounts that may apply to an individual’s unique circumstances. A rate decrease, combined with discounts, offers exceptional long-term value to State Farm customers.

In addition to the operational capabilities granted by these FAA waivers, State Farm will continue to utilize drone technology as a tool for our claim representatives to assist in individual inspections of our customers’ homes and properties related to these hurricanes.

It was less than one month ago when Hurricane Florence struck North and South Carolina. State Farm was the first and only insurance company to receive an FAA waiver allowing Claims pilots to operate drones beyond visual line of sight and over people for damage assessment. Drone flights were coordinated with the FAA and Mid-Atlantic Aviation Partnership (MAAP) at Virginia Tech as part of the Integration Pilot Program for large-scale damage assessment in Virginia and South Carolina.

State Farm requires the ability to quickly assess damage after significant weather events in order to serve customers as efficiently as possible. Drone technology is an additional tool providing technical capabilities to quickly deploy over an event site and assess damage from the air. Data obtained from drone flights can be used for determining severity of the event for better resource allocation and quick determination of uninhabitable insured property.

State Farm drone pilots will operate eBee fixed-wing drones for flights approved under the FAA waiver for damage assessment. Claims representatives conducting drone flights for roof inspections will utilize Kespry multi-rotor drones.

To get the claims process started, you can file your claim online, call 1-800-SFCLAIM (800-732-5246) or contact your State Farm agent.

The State Farm Weather and Catastrophe Team is being dispatched to the hardest hit areas. Click the image to learn more about the capabilities of this industry-leading response unit.

In The News:

• WFSU -  Insurance Company Takes To The Sky After Hurricane Michael (10/17/18)
• WPTV - West Palm Beach:  Insurance companies use drones to assess storm damage for faster, easier claims process (10/18/18)
• WMBB Live in Panama Beach: The Panama City Mall parking lot has become a staging area for work crews. State Farm also has an insurance claim center set up, and mall staff say the mall is working to reopen.(10-15-18)
• WYFF-Greenville, SC:  Flood Insurance on the Rise After Florence (9/18/18)

• The Weather Channel: What to do before and after a hurricane (09/11/18)

The insurance company has been collaborating with the Virginia Tech Mid-Atlantic Aviation Partnership (MAAP) on one of ten elite teams selected earlier this year to the FAA Integration Pilot Program (IPP). Their successful application for this unprecedented waiver is a testament to the program’s success in facilitating rapid, research-based advances in drone operations to serve communities’ needs.

“State Farm needs to quickly assess damage after significant weather events,” says Robert Yi, Senior Vice President – State Farm. “Drone technology provides us with the capability to quickly deploy over a catastrophe site and assess damage from the air. The data we obtain from drone flights can be used to help us determine the severity of damage. This also allows us to place our Claims team on-the-ground and evaluate uninhabitable insured property.”

Since May 2018, State Farm has collaborated with MAAP and Virginia Tech’s world-renowned injury biomechanics group to assess a wide range of potential risks and strategies for reducing them; the team collected data on a variety of parameters including the aircraft’s communications performance, navigational precision, and the risk of injury to humans. The strength of the data made a compelling case to the FAA that State Farm could safely conduct sophisticated aerial damage-assessment operations following the devastating impact of Hurricane Florence. That capability gives State Farm additional tools to serve customers and moves the whole drone industry forward.

Current FAA regulations restrict pilots from flying drones beyond their visual line of sight and from flying drones over groups of people. In a catastrophe situation such as Hurricane Florence, access to the area may be challenged by water, debris, and damage to infrastructure. Damage may also extend across a large area, making efficient damage assessment very difficult. The new waiver will make the insurer’s work much easier by allowing longer-distance flights over densely populated areas.

The FAA waiver reflects months of detailed research following a process pioneered by MAAP for identifying, evaluating, and mitigating potential risks presented by drone operations.

“This is a pivotal moment that demonstrates the value of a risk-based safety case development process,” said MAAP director Mark Blanks. “Drone technology has tremendous potential to serve the public, but before we can harness that capability we need to demonstrate conclusively that ambitious operations can be done safely. This waiver, and the volume of research that backs it up, shows that this approach works.”

The disaster-assessment work this waiver will enable exemplifies the purpose of the IPP: to facilitate the next generation of drone applications by working with communities on groundbreaking projects that can improve the public’s quality of life and spur innovation. Through research collaboration with MAAP, State Farm determined that flying the eBee fixed-wing drone reduced the risk of damage to people and property. Manufactured by senseFly, the drone also captures high-resolution imagery.

Earlier this year, the Virginia-based research team was selected for the FAA Unmanned Aerial Systems (UAS) Integration Pilot Program (IPP). The Federal Aviation Administration (FAA) announced their selection of teams for the multi-year program following a competitive application process. State Farm is the only insurance company selected to participate in the program. Approximately 150 communities applied for the program. Only 10 teams from across the country were selected.

Over the next three years, the Virginia team will explore applications of drone technology including catastrophe response, emergency management, and infrastructure inspection. The day-to-day operations will be managed by Mid-Atlantic Aviation Partnership (MAAP) at Virginia Tech, which has accumulated significant expertise running one of only seven federal test sites for unmanned aircraft systems. The organization has built a reputation for facilitation of ground-breaking testing while upholding the most rigorous standards of safety.

In The News

• Forbes:  FAA OKs Long-Range Drone Flights Over Populated Areas By State Farm To Assess Florence Damage (9/19/18)

• Unmanned Aerial:  State Farm Granted Key Drone Permissions for Florence Damage Assessment (9/19/18)

• The Roanoke Star:  VA Tech / State Farm Collaborate to Secure FAA Waiver for Drone Operations in Areas Impacted by Hurricane Florence (9/19/18)

To get the claims process started, you can file your claim online, call 1-800-SFCLAIM (800-732-5246) or contact your State Farm agent.

The State Farm Weather and Catastrophe Team is being dispatched to the hardest hit areas. Click the image to learn more about the capabilities of this industry-leading response unit.

In The News:

• Forbes: FAA OKs Long-Range Drone Flights Over Populated Areas By State Farm To Assess Florence Damage (9/19/18)

• WYFF-Greenville, SC:  Flood Insurance on the Rise After Florence (9/18/18)

• NBC29-Charlottesville: State Farm Mobile Center Readying to Roll Out of Albemarle County Office (09/14/18)

• Weather Channel: Florence coverage, Jake from State Farm dog (09/13/18)

• WUSA-Washington, DC: What's the difference between water coverage and flood coverage? (09/11/18)

• Bloomington Pantagraph: State Farm: 'Ready to respond' to Hurricane Florence (09/12/18)

• WCCB-Charlotte: State Farm Insurance Not Making Policy Changes In Light Of Hurricane Florence (09/11/18)

• The Weather Channel: What to do before and after a hurricane (09/11/18)

"The company's current financial strength is allowing us to pass along a rate reduction to our South Carolina customers," said State Farm Senior Vice President Dan Krause. "We continually evaluate how we can best serve our customers and are very pleased to be able to offer this rate decrease in South Carolina"

Overall changes in premiums for individual motorists will vary depending on the specific details of an individual customer's policy and chosen coverages. The effective date for new and renewal business is June 25, 2018. South Carolina customers with questions can contact their local State Farm agent to discuss their individual situation.

In addition to this rate reduction, State Farm agents are able to review with new and existing customers the many opportunities for additional discounts that may apply to an individual's unique circumstances. A rate decrease combined with discounts offers an exceptional long-term value to State Farm customers.

State Farm has once again joined with the United States Fire Administration for National Arson Awareness Week to raise awareness about reducing the risk of arson fires.

It’s impossible to prevent all arson crimes, but creating an environment that reduces the risk of damage and injury is important. Homeowners, business owners, and community leaders can help reduce the risk of arson through security measures and public education.

External and Internal Safety

• Illuminate building exteriors and entrances – arsonists fear light.
• Clear things like shrubbery that block the view of the home or building.
• Clean up – remove anything that could fuel a fire for an arsonist.
• Install smoke alarms and a fire sprinkler system.
• Keep doors and windows locked when the building is unattended.
• Establish an arson watch program in your local neighborhood and community.

State Farm Arson Dog Program

Since 1993, State Farm has funded the acquisition and training of accelerant detection canine teams, commonly called arson dogs. The State Farm Arson Dog Program has placed more than 380 arson dogs in communities across North America. 

An arson dog team can quickly search a fire scene for evidence of arson. This saves time and money for tax payers and increases the likelihood that the arsonist will be caught and prosecuted. As of May 2017, there are 96 active and certified teams trained through the State Farm Arson Dog Program in North America. This includes 12 new teams certified in April 2017. 

Hover over the interactive image below for details on these newest investigative teams:​

• Fire Chief Ricky Flowers & K9 Cato - Darlington County Fire District (Hartsville, SC)
• Fire Marshal Pat Weaver & K9 Izzy - Picayune Fire Department (Picayune, MS)
• Fire Investigator John Wauchek & K9 Mikey - Rutherford County Fire Rescue (Murfreesboro, TN)
• Arson Investigator Shane Arndt & K9 Mazy - Illinois State Fire Marshal’s Office (Springfield, IL)
• Fire Investigator Scott Wilson & K9 Bandel - DC Fire and EMS (Washington, D.C.)
• Deputy Jerry Riggins & K9 Marvel - Pittsylvania County Sheriff’s Department (Chatham, VA)
• Fire Investigator Dan Roberts & K9 Gibson - Council Bluffs Fire Department (Council Bluffs, IA)
• Arson Investigator Ryan Press & K9 Jenna - San Antonio Fire Department (San Antonio, TX)
• Lieutenant Brandon Ferrell & K9 Pearl - Conroe Fire Department (Conroe, TX)
• Firefighter Shane Weltikol & K9 Webbster - Mandan Fire Department (Mandan, ND)
• Patrolman Brian Gilmore & K9 Elou - Upper Chichester Township Police Department (Boothwyn, PA)
• Assistant Fire Marshal Jim Pasley & K9 Izzo - Columbia Fire Department (Columbia, MO)

Three Church Fires in One Evening

A church should be a safe and peaceful place. The theme for 2017 National Arson Awareness is “Preventing Arson Fires in Houses of Worship”. The National Fire Protection Association (NFPA) reports that from 2007 – 2011, the average for structure fires at religious properties (church, mosque, synagogue, temple or chapel) was 1,600 fires and $105 million in direct property damage. Recent analysis by the Pew Research Center indicates that 51% of these fires were determined to be arson.

December 2, 2014, will go down in history as one of the most devastating for Felton, Delaware. It was around 2:00 a.m. when firefighters from the Felton and Frederica Volunteer Fire Companies were called to a fire at the Healing Hands Christian Church. Firefighters were already battling the blaze when they received word that a second church, Manship Chapel, was on fire four miles away. Within hours, a third fire was reported at the nearby Law Mennonite Church. For the members of the three churches, the fires left them heartbroken and scared.

Arson was suspected in all three church fires, but it would take more than suspicion to bring the criminal(s) to justice. Arson is a very difficult crime to solve because the evidence burns up. For fire investigators, having every tool available is critical when arson is suspected. Deputy Fire Marshal John Galaska with the Delaware State Fire Marshal’s Office had the powerful nose of his partner, K9 Tanya, to help with the investigation. As an accelerant detection, or “arson dog” team, their job is to help find evidence that a fire was intentionally started.

Deputy Marshal Galaska and K9 Tanya worked with state and federal law enforcement agencies to collect evidence. Their hard work led to the arrest of two local men. Both men confessed to breaking into the churches following a night of heavy drinking. They pled guilty to second degree arson, third degree burglary, and second degree conspiracy. For Galaska and K9 Tanya, it was another investigation resulting in an arsonist behind bars. It also allowed the community and the congregations to begin healing.

How are our family finances? Did we stay within budget? If you are like most Americans, conversations about these important money matters probably don’t come up. What if they did?

While most individuals believe we should talk about money, most don’t. According to the American Psychological Association, 95 percent of people believe parents should talk to their kids about money. However, only about two-thirds say they were taught how to manage money, and just one-third report talking with their family about the subject.

Working Together: Organizations and Families Work as a Team

In the foothills of South Carolina’s Blue Ridge Mountains, two organizations are empowering parents and children to have those money conversations. Families are tackling their finances together and benefitting. The result is reducing inter-generational poverty.

The Greenville County Human Relations Commission (GCHRC) found many adults were unable to complete their financial education workshops due to lack of childcare. The Children’s Museum of the Upstate was presenting a children’s program on basic financial literacy. They teamed up to create the “Finances for the Family” program for a win-win.

The six-session program educates parents and children at the same time. Each organization uses their expertise to address different financial situations.

Take the budgeting session for example. While parents work with financial counselors to set a household budget, their children “shop” in the museum grocery store staying within an assigned budget. The families then come back together for more activities to reinforce the lesson and promote positive conversations about money.

“It is empowering to myself, as well as my children. Because of the program, my kids are now saving for two reasons: their future and their own personal goals. I could go on non-stop for days about the wonders of this class and how beneficial it is to my family. But, instead, I will just say this: Thank You for the time you took to give my family hope for our financial future”

- Finances for the Family participant, and Mother of 3 children

Visible Success Spawns Future Interest

State Farm has supported the pilot since it began in the fall of 2014. Since then, 41 families have graduated from the program. Interest in upcoming classes has doubled.

Graduation from the program is just the beginning. Families can then access more financial counseling that supports their long-term financial goals. To help them start, each family receives a $50 certificate for initial deposit into their choice of either a 529 college savings account or an Individual Development Account; a $40 deposit into a custodial savings account for each child in the family; and an annual pass to the Children’s Museum. Each child receives a $5 bill as a graduation gift and is encouraged to practice their new money management skills.

Individual follow-ups with the families show parents and children thriving with their newly acquired financial management skills and knowledge.

“We’re no longer classified as a paycheck to paycheck family. Now there’s a peace about it,” said Jennifer Byrd. “It’s exciting to know my money is where it’s supposed to be. It’s going to keep us where we need to be. And, if ‘life happens’ we have a little bit of a bounce-back.”