To provide the best possible service and response to customers who have damage from the tornado, the following are in place: 

• Catastrophe claims adjusters and support members are deploying and arriving on-site. Catastrophe claim teams will be actively making contact and providing initial claim handling efforts for our impacted customers with a focus on the most severe losses. Catastrophe Customer Care sites are being planned in the most impacted area to support claim handling efforts for local residents, additional details will be shared as available.
• The 1-800-SFCLAIM line is activated and available for customers to begin the claim reporting process, should they be unable to reach their local State Farm agent. 
• State Farm policyholders who have damage can submit and manage their claim through various channels. This includes calling or emailing their State Farm agent, calling 1-800-SFCLAIM, submitting a claim through our mobile app or through our website at statefarm.com/claims. Customers may also text the word “CLAIM” to 62789 to receive a link to file a claim.

Our response includes State Farm agents who live and work in the same neighborhoods as our customers, and teams of claim specialists trained in disaster response traveling in to evaluate damage on site. They are joined by thousands of employees in centralized care centers across the country helping answer customers’ questions and file their claims. Additionally, our remote claim teams are able to conduct virtual inspections with impacted customers following the storm, helping customers in their time of need. 

Our State Farm Customer Response Unit (CRU) is traveling throughout the impacted community. CRU team members and State Farm agents are distributing needed items such as bottled water, work gloves and other useful items for residents. The CRU team responds immediately following a disaster, and navigates throughout impacted areas to provide in-person contact and assistance to those in need. State Farm agents often ride along on the CRU, and can offer neighbors helpful information about filing their claim and insurance tips. State Farm is there to help residents during this first and critical step on the road to recovery.  

Tips for assessing tornado damage when safe to do so:

• Don't enter damaged buildings until they are declared safe and use extreme caution around debris. Wear appropriate clothing, like sturdy shoes or boots, long sleeves and gloves.
• Safely check your home or apartment for any signs of structure issues and hidden damage.
• Safely take pictures of your home's damage, inside and out.

Tips for making temporary repairs to damaged property:

When it is safe to do so, people with repairable/limited property damage should have reasonable temporary repairs made to prevent further damage to their property. Depending on your coverage, these repairs may be reimbursed. Save receipts if you purchase items such as tarps and plywood or other supplies to make repairs.  

A total of approximately 5,500 home and auto claims have been reported across nine states from the string of storms (date range April 26-28) as for 4:00pm CT on April 30, 2024: 

To provide the best possible service and response to customers who have damage from the tornado, the following are in place: 

• Catastrophe claims adjusters and support members are deploying and arriving on-site. Catastrophe claim teams will be actively making contact and providing initial claim handling efforts for our impacted customers with a focus on the most severe losses. Catastrophe Customer Care sites are being planned in the most impacted communities to support claim handling efforts for local residents, additional details will be shared as available.
• The 1-800-SFCLAIM line is activated and available for customers to begin the claim reporting process, should they be unable to reach their local State Farm agent. 
• State Farm policyholders who have damage can submit and manage their claim through various channels. This includes calling or emailing their State Farm agent, calling 1-800-SFCLAIM, submitting a claim through our mobile app or through our website at statefarm.com/claims. Customers may also text the word “CLAIM” to 62789 to receive a link to file a claim.

Making temporary repairs to damaged property:

When it is safe to do so, people with repairable/limited property damage should have reasonable temporary repairs made to prevent further damage to their property. Depending on your coverage, these repairs may be reimbursed. Save receipts if you purchase items such as tarps and plywood or other supplies to make repairs.   

Approximately 8,600 fire claims and 3,500 auto claims are reported. Fire catastrophes are declared in Alabama, Georgia, Mississippi, Ohio, Pennsylvania, Tennessee, and West Virginia. Auto catastrophes are declared in Alabama, Georgia, Ohio, and Mississippi.

Claim teams are actively making contact and providing initial claim handling efforts for our impacted customers with a focus on the most severe losses.

Catastrophe Customer Care sites are being established in the communities of Florence and Amory, Mississippi with a site in Rolling Fork to open in the future to support claim handling efforts. Fire and auto claim handlers will be onsite to assist agents and policyholders with questions and provide advanced payments, as warranted.

To provide the best possible service and response to customers who have damage from the tornado, the following are in place: 

• Claims adjusters and all necessary State Farm support members are deploying and on-site.
   
• The 1-800-SFCLAIM line is activated and available for customers to begin the claim reporting process, should they be unable to reach their local State Farm agent.
   
• State Farm policyholders who have damage can submit and manage their claim through various channels. This includes calling or emailing their State Farm agent, calling 1-800-SFCLAIM, submitting a claim through our mobile app or through our website at statefarm.com/claims. Customers may also text the word “CLAIM” to 62789 to receive a link to file a claim.

In addition to our on-the-ground team, we also have three Centralized Catastrophe Services (CCS) operations and our Initial Loss Reporting (ILR) teams located throughout the United States. State Farm has the advantage of a fleet of mobile claim handling facilities, innovatively designed to support our ability to provide optimal customer service even under challenging conditions.
 

Making temporary repairs to damaged property:

When it is safe to do so, people with repairable/limited property damage should have reasonable temporary repairs made to prevent further damage to their property. Depending on your coverage, these repairs may be reimbursed. Save receipts if you purchase items such as tarps and plywood or other supplies to make repairs.   

Hardest hit were those neighbors in Kentucky where an EF-3 tornado had a historic long track of nearly 200 miles from Cayce to Beaver Dam with a path ¾ of a mile wide. As of Monday morning, State Farm has received nearly 4,800 claims across the impacted states.

State Farm Responds

In the early hours after the storm made its way across the country, State Farm began mobilizing its resources. The State Farm response is both local and national. It includes State Farm agents who live and work in the same neighborhoods as our customers; teams of claim specialists trained in disaster response traveling in to evaluate damage on site; thousands of employees in centralized care centers across the country helping answer customers’ questions and file their claims; remote claim teams conducting virtual inspections with impacted customers; and many other resources, all helping customers in their time of need.

Less than 48 hours after the storm, State Farm’s Customer Response Unit (CRU) was on the ground in Mayfield, KY assisting the community with basic essentials such as fresh water, work gloves, flashlights, first aid kits, and snacks. The CRU also hands out coloring books and teddy bears for children in the community.

Using Technology

We are helping customers in more ways, and right now that means leveraging technology and offering virtual claim handling when appropriate.

• State Farm encourages customers to take advantage of potential options for virtual inspections or other methods that do not always require a personal inspection with their claims professional (the virtual option is available in most states if legally permitted.)

• State Farm policyholders who have damage from (catastrophe) can submit and manage their claim through various channels. This includes calling or emailing their State Farm agent, calling 1-800-SFCLAIM, submitting a claim through our mobile app or through our website at statefarm.com/claims.

Homeowners with tornado and storm damage can benefit from more virtual ways to file a claim and receive payment to start repairs. State Farm is leveraging technology by providing virtual claim handling options to customers who have damage from the tornado outbreak, allowing customers to file and track their claim from the convenience of their phone or other electronic devices.

Once a claim is underway, customers can electronically submit photos, video and other claim documentation, and participate in video calls with their claim representative as available. When electronic communication is not available or preferred, we provide in-person claim handling as appropriate.

Some of the benefits of virtual claim handling for customers:

• Offers possibility of faster claim settlement in certain cases as appropriate, with payment being deposited directly to customer’s preferred bank account
• Helps deliver efficient claims service
• Provides a claim handling alternative that follows social distancing guidelines and helps keep the community safe

Bringing in-person service where it’s needed most

To provide convenient local service to customers, mobile Customer Care Sites are being set up in multiple locations near the hardest-hit areas of Kentucky and Tennessee. These sites allow customers to receive in-person support with claim handling and disbursement of payments.

Kentucky

• Mayfield KY: Furniture/strip mall, 1102 Paris Rd Unit 1C, Mayfield, KY 42066.
• Bowling Green KY: Home Depot, 2233 Gary Farm Blvd, Bowling Green, KY 42104.

Tennessee

• Goodlettsville TN: Rivergate Mall, 1000 Rivergate Parkway, Goodlettsville,TN 37072

Being Good Neighbors

In addition to assisting customers directly, State Farm is also helping in the overall recovery efforts by working with local nonprofit organizations in the affected communities. The Disaster Relief tab for employees, agents, and retirees to donate and use their Matching Gift is up and running. Organizations such as such as American Red Cross, Midwest Food bank, Donors Choose and Feeding America are some of the nonprofits employees can choose from to assist the impacted communities.

How you can help

• Convoy of Hope 
• American Red Cross
  • Mayfield, KY
  • Western Kentucky

Wind and hail are a common occurrence this time of year. Already this spring severe storms have damaged thousands of homes and vehicles across the country. A North Texas resident rebuilding her home following a fall tornado is proof the weather warnings ring true. Priceless memories can be lost.

The college soccer star feared four championship rings were gone forever when fall storms hit her home. A claims inspection weeks later, blocks away and unrelated to her own, turned her fear to joy.

A Terrifying Experience

When one of 10 tornadoes threatened Chelsea Raymond’s Garland, Texas, neighborhood Oct. 18, friends and family called concerned about her safety. Chelsea quickly took shelter with her dog under a mattress in the bathroom.

“Loud noises, everything breaking. Then, it went silent.” Chelsea, who is already scared of storms, said the experience was terrifying. Her home took a direct hit from an EF-2 tornado that tore through with 135 mile per hour winds. Emerging from the bathroom, she was thankful to be uninjured and hopeful not too much damage had occurred. She quickly saw her car and home had been destroyed.

“It was a shock, but the main thing is I was OK and my dog was OK, because that’s something no one can replace, but the other stuff I can. Of course it was sad to have to replace everything, but I’m OK with it,” she said.

Some of the personal property had priceless sentimental value. Chelsea starred as a soccer starter her four years at Texas’ Stephen F. Austin University. Chelsea and her teammates won four conference championships, creating a lifetime of memories. But, her treasured championship rings that helped relive those moments were carried away by the twister.

“I just think this tornado took everything where it wanted to take it,” Chelsea said. Her four championship rings couldn’t be found among the mangled debris. Luckily, two have been recovered, one by a neighbor in an alley, another on a random roof re-inspection.

Three Blocks Over

Looking at damaged roofs across Dallas – Fort Worth isn’t uncommon. According to State Farm^® claims data, Texas had more claims paid related to wind and hail than any other state in 2019. It’s sometimes what you find that is unique.

“I walked around the back of the roof for measurements and photos and something caught my eye,” said Jacob Kilcrease, State Farm Claims Specialist. Through random assignment, he was three blocks from Chelsea’s home about three months after the tornado. He jokes he finds toys often and first thought it was a ring from a gumball machine, but quickly realized it had much more meaning.

“When I originally found the ring, I saw the name, inscription, and immediately Googled the name and found a local news article that she was missing the ring.”

With the help of social media and a local news station, Jacob reunited the ring with Chelsea, making it one of the more unique discoveries and rewarding claims he’s worked.

“It’s almost like a needle in a haystack. I didn’t really believe it,” Chelsea said of the call informing her the second of her four missing rings had been found.

Jacob was amazed at all the coincidences that had to happen in order for him to come across Chelsea’s ring. From the ring hitting and staying put on a State Farm customer’s roof to that customer getting randomly drawn for re-inspection and the customer allowing it, “the stars had to align for all of that to take place. The odds of that happening are just unbelievable.”

Wind and hail are a common occurrence this time of year. Already this spring severe storms have damaged thousands of homes and vehicles across the country. A North Texas resident rebuilding her home following a fall tornado is proof the weather warnings ring true. Priceless memories can be lost.

The college soccer star feared four championship rings were gone forever when fall storms hit her home. A claims inspection weeks later, blocks away and unrelated to her own, turned her fear to joy.

A Terrifying Experience

When one of 10 tornadoes threatened Chelsea Raymond’s Garland, Texas, neighborhood Oct. 18, friends and family called concerned about her safety. Chelsea quickly took shelter with her dog under a mattress in the bathroom.

“Loud noises, everything breaking. Then, it went silent.” Chelsea, who is already scared of storms, said the experience was terrifying. Her home took a direct hit from an EF-2 tornado that tore through with 135 mile per hour winds. Emerging from the bathroom, she was thankful to be uninjured and hopeful not too much damage had occurred. She quickly saw her car and home had been destroyed.

“It was a shock, but the main thing is I was OK and my dog was OK, because that’s something no one can replace, but the other stuff I can. Of course it was sad to have to replace everything, but I’m OK with it,” she said.

Some of the personal property had priceless sentimental value. Chelsea starred as a soccer starter her four years at Texas’ Stephen F. Austin University. Chelsea and her teammates won four conference championships, creating a lifetime of memories. But, her treasured championship rings that helped relive those moments were carried away by the twister.

“I just think this tornado took everything where it wanted to take it,” Chelsea said. Her four championship rings couldn’t be found among the mangled debris. Luckily, two have been recovered, one by a neighbor in an alley, another on a random roof re-inspection.

Three Blocks Over

Looking at damaged roofs across Dallas – Fort Worth isn’t uncommon. According to State Farm^® claims data, Texas had more claims paid related to wind and hail than any other state in 2019. It’s sometimes what you find that is unique.

“I walked around the back of the roof for measurements and photos and something caught my eye,” said Jacob Kilcrease, State Farm Claims Specialist. Through random assignment, he was three blocks from Chelsea’s home about three months after the tornado. He jokes he finds toys often and first thought it was a ring from a gumball machine, but quickly realized it had much more meaning.

“When I originally found the ring, I saw the name, inscription, and immediately Googled the name and found a local news article that she was missing the ring.”

With the help of social media and a local news station, Jacob reunited the ring with Chelsea, making it one of the more unique discoveries and rewarding claims he’s worked.

“It’s almost like a needle in a haystack. I didn’t really believe it,” Chelsea said of the call informing her the second of her four missing rings had been found.

Jacob was amazed at all the coincidences that had to happen in order for him to come across Chelsea’s ring. From the ring hitting and staying put on a State Farm customer’s roof to that customer getting randomly drawn for re-inspection and the customer allowing it, “the stars had to align for all of that to take place. The odds of that happening are just unbelievable.”

Our hearts go out to all those impacted – especially family and friends of those who lost their lives. Safety is paramount as residents assess damage and begin the recovery process.

Start the claim process as soon as possible.

Take steps to prevent further damage as soon as it is safe to do so. There are four ways to start the claim process:

1. Online at www.statefarm.com/claims
2. Use the State Farm Mobile App
3. Call 1-800-SFCLAIM
4. Contact your State Farm Agent

Hundreds of customers have already filed claims. Our local agents and call center claim specialists are already assisting customers with their most immediate needs, like additional living expenses (ALE). The State Farm Claims Catastrophe Response Team is being deployed to the most heavily impacted areas to assist in the recovery. This additional personnel includes three drone teams.

Customers with damage should:

• Inspect your property. Document damage with pictures to share with your claims specialist.
• Make temporary repairs to prevent further damage. Take pictures and save receipts for materials purchased.
• Exercise caution when selecting a contractor. Storm recovery can be emotionally and physically draining. Don’t make a quick, emotional decision without recommendations. Obtain detailed written estimates and multiple bids.

Additional insurance considerations and storm recovery tips:

Tree removal can be very expensive right now because resources are spread thin. As a reminder, insurance only pays to remove trees impacting your home, building, fences or other structures. Coverage limits may apply to debris removal coverage.

Be wary of those who might try to capitalize on the storm.

• Ask for recommendations
• Beware of door-to-door solicited repairs
• Get multiple written estimates
• Always have a written, detailed estimate
• Don’t pay up front. Always inspect the completed work before payment.
• If making repairs, consider upgraded roofing materials (upgrades could result in insurance premium discounts).

If you have experienced a power outage:

• Never use candles for emergency lighting, use flashlights.
• Disconnect any appliances, equipment or electronics that were on when the power went out. When power comes back on, it may come back with momentary “surges” or “spikes”. This can damage computers, air conditioners, refrigerators, etc. Leave one light on so you know when the power returns.
• Check to see if your homeowners policy covers damages resulting from outages. Subject to the deductible, your policy may cover spoiled food and other damages.
• Use generators safely. If you have a portable generator, only run it outdoors with adequate ventilation. Never use a generator indoors or in attached garages. The exhaust fumes contain carbon monoxide, which can be deadly if inhaled.

State Farm encourages customers to start the claim process as soon as they can and take steps to prevent further damage. Customers can start the claim process by contacting their agent, calling 1-800-SFCLAIM, using the State Farm Mobile App, or reporting a claim through www.statefarm.com/claims.

State Farm is responding to storm-impacted areas. We will be here to help customers with their claims as we begin the recovery process. State Farm agents, agent’s staff, and local employees are available to help customers with their claims. Our Claims Catastrophe Response Team is being deployed to the most heavily impacted areas to begin assisting our customers.

As a reminder, insurance will only pay to remove trees that are impacting your home, building or other structures or fences. Coverage limits may apply to debris removal coverage. Tree removal can be very expensive right now because resources are spread thin.

Tips to help with storm recovery and insurance considerations:

• When safe to do so, make temporary repairs to damaged property.

  • For example, to prevent further damage patch holes or cover windows to prevent rain from entering the house

  • Depending on your coverage, these repairs may be reimbursed. Save receipts if you purchase items such as tarps and plywood or other supplies to make repairs.

• Document damage by taking photos.

• If you have experienced a power outage, never use candles for emergency lighting. Instead, use flashlights.

  • Disconnect any appliances, equipment or electronics that were on when the power went out.

  • When power comes back on, it may come back with momentary “surges” or “spikes.” This can damage computers, air conditioners, refrigerators, etc. Leave one light on so you know when the power returns.

  • Your homeowner policy may cover spoiled food and other damages as a result of power outages, subject to the deductible. Check with your insurance company to see if your policy covers damages resulting from outages.

• Use generators safely. If you have a portable generator, only run it outdoors with adequate ventilation. Never use a generator indoors or in attached garages. The exhaust fumes contain carbon monoxide, which can be deadly if inhaled.

• Deal with a reputable contractor. While there are many good and reputable contractors in the state, be wary of those who might try to capitalize on the storm. State Farm claims specialists offer these tips to consider. Among the many preventative measures we recommend:

  • Shop around, get recommendations, inspect their work.

  • Get three written estimates and have a written detailed estimate.

  • Do not pay for work up front or sign a contract with any blank spaces. Always inspect the completed work before payment.

  • Beware of door-to-door unsolicited repairs.

  • If making roof repairs, consider upgraded roofing materials. These upgrades could result in insurance premium discounts.

  • State Farm customers also have access to a Contractor Locator. Available through their online StateFarm.com account, it provides a list of contractors known to State Farm. It is up to the consumer to pick the contractor. State Farm does not warranty or guarantee the work.

State Farm encourages customers to start the claim process as soon as they can and take steps to prevent further damage. Customers can start the claim process by contacting their agent, calling 1-800-SFCLAIM, using the State Farm Mobile App or reporting a claim through www.statefarm.com/claims

State Farm is responding to storm-impacted areas, and will be here to help customers with their claims as we begin the recovery process. State Farm agents, agent’s staff, and local employees are available to help customers with their claims, and our Claims Catastrophe Response Team is being deployed to the most heavily impacted areas to begin assisting our customers.

As a reminder, insurance will only pay to remove trees that are impacting your home, building or other structures or fences. Coverage limits may apply to debris removal coverage. Tree removal can be very expensive right now because resource are spread thin.

Tips to help with storm recovery and insurance considerations:

• Make temporary repairs to damaged property: When it is safe to do so, those who’ve experienced property damage should have reasonable temporary repairs made to prevent further damage (for example, patching holes or covering windows to prevent rain from entering the house). Depending on your coverage, these repairs may be reimbursed. Save receipts if you purchase items such as tarps and plywood or other supplies to make repairs.

• Document damage by taking photos.

• Working with contractors: While there are many good and reputable contractors in the state, be wary of those who might try to capitalize on the storm.
  • Ask for recommendations
  • Be aware of door-to-door solicited repairs
  • Get multiple written estimates
  • Always have a written, detailed estimate
  • Don’t pay up front. Always inspect the completed work before payment.
  • If making repairs, consider upgraded roofing materials (upgrades could result in insurance premium discounts).

• If you have experienced a power outage, never use candles for emergency lighting, use flashlights.
  • Disconnect any appliances, equipment or electronics that were on when the power went out.
  • When power comes back on, it may come back with momentary “surges” or “spikes” that can damage computers, air conditioners, refrigerators, etc. Leave one light on so you know when the power returns.
  • Your homeowner policy may cover spoiled food and other damages as a result of power outages, subject to the deductible. Check with your insurance company to see if your policy covers damages resulting from outages.

• Use generators safely. If you have a portable generator, only run it outdoors with adequate ventilation. Never use a generator indoors or in attached garages. The exhaust fumes contain carbon monoxide, which can be deadly if inhaled.

The Weather Channel enlisted State Farm Technology Research Director Chris Mullen to help educate consumers of the safest place to be during a tornado, when there isn't a basement.

“This integration opportunity with The Weather Channel’s new 3D augmented reality technology truly enabled us to bring our brand promise to life,” said Patty Morris, Brand Content Director for State Farm. “Not only was our Strategic Research Director able to convey her message of safety and preparedness to help life go right; but she was able to physically show the audience what to do if they are affected by a severe weather situation. This solution brings effective communication and brand integration to the next level.”

To many he’s the Father of the Safe Room. To his friends, he is simply Ernie. And Ernie is a pretty unassuming guy. Humble is probably the best word for it.

Beginnings

On the evening of May 11, 1970, an off-duty police officer sat in his car watching an ominous cloud creep towards Lubbock, Texas. Watching grapefruit-size hail punching dents on his car, he knew the city was in for a tough night.

A monster tornado touched down near Texas Tech University snapping Red Raider stadium light poles like matchsticks. The one-and-a-half-mile wide F5 tornado churned through Lubbock that evening, damaging and destroying thousands of homes and businesses.

But the real tragedy was the 26 individuals who died and the 1,500 injured residents.

The new chairman of the Civil Engineering Department at Texas Tech University in Lubbock, Dr. Ernst Kiesling, was familiar with the terrible power of a tornado. Seventeen years prior, an F4 ripped through his hometown of San Angelo, Texas, killing 13.

The recurring human loss from these killer storms triggered something inside Kiesling. He started talking to his young faculty team about opportunities to use their academic and research skills to make a difference. The team started to collect data and document tornado damage through site visits to stricken areas.

The Real Work Begins

By the time 1973 rolled around, Kiesling’s team was firing on all cylinders, and the engine of their creativity sparked an idea destined to save countless lives. While studying tornado damage in the small town of Burnet, Texas, the engineers noticed a recurring theme.

A severely damaged house had no roof nor exterior walls. In fact, the only thing left standing was a small kitchen pantry in the center of the debris. All four walls were intact.

“The inspiration for the above-ground storm shelter came from that pantry,” Kiesling reminisced. “The sensible approach was to provide occupant protection for a small area, and design the rest of the home to sustain minimum economic loss.”

And so Kiesling’s team descended the stairs to the lab and went to work. One major issue was making the safe room stand up to flying debris, one of the greatest dangers.

“We had to test the rooms we were building, but had no way to launch the debris missiles,” said Kiesling.

Behold, the pneumatic cannon, capable of launching a 15 foot 2X4 board at simulated wind speeds of more than 250 miles-per-hour. It was every young boy’s dream. Even today Kiesling gets a sparkle in his eye talking about how the cannon they developed played an important role in testing wall materials in those early days.

“We started by launching 2x4s at plywood,” said Kiesling. “A single layer — two layers — three layers were perforated by the tremendous force of the 2x4. Finally at four layers of plywood, it held.”

Kiesling and his team moved on to testing other wall material, including plywood layers mixed with steel reinforcement, and then concrete reinforced blocks. The team developed and tested prototype shelters, then the concept was fully accepted by all.

Well, maybe not “fully” accepted.

The Road to Acceptance

In 1974 Civil Engineering Magazine presented the concept of the above-ground storm shelter by Kiesling and graduate student David Goolsby. People questioned the concept. Many believed the only safe place during a tornado was underground, and the above-ground shelter was a waste of time and energy.

In addition, the badly needed shelter was often slowed by lack of research personnel or necessary funding.

That changed in 1998 when Dateline NBC came to Tulsa Tech.

A tornado destroyed a small, Texas subdivision and received national attention. Dateline aired a special program covering the devastation and featured the revolutionary above-ground storm shelter developed at Texas Tech.

Two years later, the shelter survived the F5 tornado in the Oklahoma City area. Other media outlets started taking notice and spreading the word about alternatives to going underground.Kiesling is proud of his storm shelter and keeps photos of some that stood alone in the middle of rubble after a storm. “Through our work, we have provided ample evidence that you can provide safety above ground as well as below ground,” he said.

In 1974 Kiesling and his family built a home in Lubbock. Putting his money where his mouth is, he installed a safe room made from concrete reinforced blocks. The room looked like a natural part of the home, and he often gave tours to city officials, media and neighbors.

“Our safe room opened some eyes,” he said. “We never had to use it, but one of the great benefits is the knowledge that there is a safe place within your home you can depend on.”

The Father of the Safe Room

And so Ernie continues to be an unassuming, humble man. Despite the fact that he has saved countless lives through his work, he prefers to shift the attention to others.

“My career has been very gratifying,” he said. “I could not foresee the opportunities that presented themselves to help others through our research.”

Dr. Ernst Kiesling is a retired professor of civil engineering at Texas Tech University in Lubbock. He is executive director of the National Storm Shelter Association (NSSA). He now serves as research Professor and leads the storm shelter research effort within the National Wind Institute at Texas Tech. Kiesling speaks regularly at conferences across the nation about the Texas Tech and NSSA research. State Farm is a sponsor of the National Tornado Summit in Oklahoma City, Okla., where Kiesling presented updates on the continuing university research and testing.

Photo credits: Liz Inskip-Paulk, TTU-NWI

Across town from Jeff, friend and football Coach Robby Parish, spent Mother’s Day outside with his wife, daughter and son. The weather was nice, but the Parish’s knew strong storms were in the forecast.

“We are always aware. We talked a couple weeks (before) about where we would go [for safety],” said Parish.

A strong storm passed through Corsicana, Texas that evening less than 100 miles southwest from Van, but right on the town’s path. Robby was right: the electricity went out, setting alerts off their phones. So the Parish family took shelter.

“The kids weren’t scared, we were getting in our safe place just in case. We went into our son’s closet, huddled and listened to the rain,” shared Parish. “You know the storm is getting close, but you don’t know it’s going to hit your house.”

A Destructive Darkness

Then the tornado hit. According to the Parish family, it sounded like you were standing next to an airplane. When the family opened the front door, they didn’t yet register their home was destroyed.

“We’ve just had a tornado in Van,” a policyholder told State Farm Agent Johnny Thompson. “My roof is gone and I can’t see my neighbor’s house.”

Moore, a claims specialist, started helping his friends and policyholders late that night. He tirelessly wore two hats, “it’s probably been the most proud I’ve been [of Jeff],” said Team Manager Andy Barfield, “Jeff called me. He knew several homes and much of Van were destroyed.” Jeff and his wife represented State Farm and their community.

At one of the churches in town, Parish recalls residents emotionally embracing – even if they didn’t know each other well. Upon returning home the Parish family realized what they had survived.

“We closed the door and immediately prayed,” Parish said when he, his wife and their two young kids saw the only four walls still standing were the ones where they huddled; “God just saved us.”

The Rebuilding Process

The EF-3 tornado damaged about 30% of the town. Many homes, businesses and a school were destroyed.

By daylight, the following day, Agent Johnny Thompson and his wife were handing out water, Jeff was ready to go at a local church helping policyholders and Robby was trying to pick up what was left of his family’s belongings.

Robby was picking up the pieces when he recalls State Farm coming to him. Power and communications channels were down, so he hadn’t even contacted - or thought about - insurance when the estimate was written on his home to start the rebuilding.

“It’s good to know we backed our promise,” said Thompson “We were part of the rebuilding and it felt good.”

Live, Revived

The Parish family now lives in a newly constructed home on the same lot in Van. Their beautiful gray brick ranch has an open floor plan, stylish and modern finishes, and bedrooms designed by the kids. Their new house also features a concrete block shelter with a steel door, stylishly disguised as a bathroom near the side-entry garage.

Once in the home, a focal point that can be seen anywhere is a cross on the wall. The cross has colorful glass that catches the light and your eye. The few shattered dishes – family heirlooms recovered from the Parish home following the tornado were made into the cross. It serves as a reminder of what they lived through and the protection they had.

“People are resilient, some people have moved, some have rebuilt, but (leaving) was never a thought for us,” said Parish. “This is our home, we weren’t going to leave it.”

Jennifer Patterson knows what it’s like to lose something special. When she was five-years-old, her playhouse was destroyed by a tornado. The remains were found in the neighbor’s yard, scattered like matchsticks.

Growing up in tornado alley, you learn at an early age to plan and drill – especially for Oklahoma tornados.

March 25, 2015 was just another day at work for Jennifer, the executive director of nonprofit Aim High Academy. She didn’t anticipate anything unusual, just the daily ritual of running a nonprofit in Tulsa, Oklahoma. The day was filled with helping young girls prepare for a state gymnastics competition. They had trained all season, and the gym was packed with more than 60 girls polishing off preparations to their routines.

Aim High Academy is a faith-based nonprofit that uses gymnastics to give children hope and confidence to succeed in life. Established in 2007 by Patterson, the organization teaches more than 250 children each week, and sponsors a competitive gymnastics team of 40 girls who take part in competitions across the country.

Patterson knew the Tulsa area was under a weather watch, but that’s nothing unusual for Oklahoma. “It was a typical spring day for us,” she remembers.

While sitting in her office, she heard the weather radio alarm activate. The alert did not include the Tulsa area, but it heightened awareness and reminded her to review disaster plans with Aim High’s staff. She quietly made the rounds, making sure each staff person remembered what to do and where to go if the weather deteriorated.

“I was keeping my eyes on the clouds and they began to turn green,” she said. One of the parents shared weather reports of possible rotations to our west.”

Suddenly she had an urge: “Get them to the basement now.” As she turned to take action, the weather radio activated again and the preparation began to pay off. Instructors quickly and efficiently moved all students to the basement of the gym.

As they gathered in the cold dampness, the lights flickered, then went out. Children began to panic. One of the instructors pulled out a guitar and started playing music to soothe them. The wind and noise increased outside, and the group began to pray in the darkness.

Several instructors waited upstairs to help members of the neighborhood get safely below ground. Being able to step into a basement is a rarity in the state. In fact, because of Oklahoma’s soft, red clay, the Aim High gymnasium was one of less than one percent of structures in the state with a basement.

The roof began to peel away and disappear, while loud creaks, cracks and bangs sounded. A rushing wind left a vivid memory for Jennifer. “I felt as if my insides were lifting up, and then there was silence,” she said. “All that was left was the sound of crying children and running water.”

When Jennifer finally climbed the stairs and opened the basement door, a wall of water gushed in from broken pipes and torrential rain. The sight of clouds and lightning was unnerving, especially when she had expected to see a roof overhead. Large portions of the building had collapsed around them.

She stood in shock looking at the sight around her, silently thanking God for the safety he had provided for the many children below. A calm came over Jennifer and she descended back to the basement with a smile and reassurances for the young gymnasts.

When rescue crews arrived and saw the destruction, they feared the worst. “Then everybody realized what a miracle it was,” Tulsa Fire Department Captain Toby Houck told a FOX 23 television news reporter.

They found everyone safe and unharmed in the basement. Water had risen to most of the girls’ knees. Firefighters quickly shed their own coats, wrapped them around the children and carried them one-by-one to safety.

“The compassion and tenderness the firefighters showed our students was overwhelming,” Jennifer said. “For a child that had just experienced the trauma of a disaster, having a firefighter angel carry them to safety and the arms of their parents was very comforting.”

Not one person out of the more than 60 who weathered the storm in the collapsed gymnasium sustained injuries.

That tenderness played itself out again in June when State Farm provided a disaster recovery grant to Aim High Academy. Tulsa firefighters were reunited for the first time with the children they had saved. Unscripted and without warning, the little gymnasts rushed across a room at a hotel ballroom and took turns embracing and thanking those who had saved them. News media, legislators and other public figures attending the event were visibly moved, several brought to tears.

While she’s back to her daily workday ritual, Jennifer remains vigilant. She believes in miracles and in being prepared. Besides staying on top of the best exit and safe routes, she keeps a storm kit on hand. It contains essentials that could be useful during and after a disaster.

Armed with her resources and faith, Jennifer is ready to do cartwheels around any challenge – just like her talented young performers do every time they take to the floor.

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.

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.”

Daniel and Sherry Cunningham’s son Matt heard tornado sirens revving up shortly after 7pm Sunday night in Vilonia, Arkansas. They switched on the TV to a Little Rock station. A tornado was on the ground near Maumelle, AR - headed directly in their direction at 50 mph ground speed. They knew they had about 20 minutes, maybe.

There was a flurry of activity to gather a few prize possessions. This left just enough time to rush next door to collect the neighbor’s pets. The family and pets took shelter in the closet and bathroom.

Daniel went into the bedroom and grabbed a mattress, telling Sherry (a stickler for a clean house), “We’ll make the bed up in the morning.”

Sherry had grabbed her laptop and a few items, and they were all in the hallway under the mattress. They had used up 15 minutes.

Sherry said she felt like this might be the end of everything for them. Conditions outside the last few minutes were  bad. They expressed their love for each other and waited…about two more minutes, then everything started to shake.

Daniel said at first, he could hear individual shingles coming off the roof. Then debris started slamming into the house intensely. They felt a shift in pressure and everything “seemed to lift” a little. The tornado had arrived.

A long minute later, and it was over. A board had fallen from somewhere and wedged against the wall, pinning the mattress down onto them. Sherry said that mattress probably saved their lives.

The next morning, they heard from their State Farm agent, Jay Paul Bernard, when he came to their house.  Daniel said they have had a very good experience with Jay Paul, and they love State Farm. Sherry said, “He’s been out to our house every day.”

The Cunninghams feel very much taken care of…“that’s what good neighbors do for one another.” Sherry added, that what seems to be important has been redefined from her experience.