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CLEVELAND, Ohio. – Following shootings inside houses of worship around the world, many churches are reconsidering their security measures. “We celebrate our love for Christ and our love for each other,” said Senior Pastor Kregg Burris at First Baptist Church of Greater Cleveland Ohio. Instead of just focusing on the message of faith, pastors like Kregg are now having to put more thought into keeping their congregation safe during services. “There's the old sense that I’m going to trust God,” he said. “Then there’s the realism of, well in the world we live in where people don’t recognize and understand the sacredness of the space.” He said the congregation has had to take steps in order to try and protect their people, but do it in a respectful manner. Just over a year ago, the security team was formed. “We just live in a world where reality exists that some people have a different world view than we have,” said Monroe Goins, a member of the church and part of the security team, who has almost three decades of law enforcement experience. From using walkie talkie to installing security cameras and new door systems, First Baptist of Greater Cleveland has implemented a number of safety measures since 2018. “I believe churches should have a plan in place,” he said. Following attacks at a church in Charleston, South Carolina, a mosque in New Zealand, and multiple houses of worship in Texas, Goins said he has seen an increase in violence. Now, the state of Ohio is taking a hands on approach. The Ohio Emergency Management Agency announced they now have a toolkit to help, available to download for free. “We’ve seen across the country the incidents,” said Tom Stickrath, the Director of the Ohio Department of Public Safety. “And how tragic they can be.” The toolkit provides presentations, planning documents, and case studies for churches.“It’s a tool people can choose to use,” Stickrath said. “It’s been downloaded more than 600 times by organizations in 29 states.” That was only a week after the toolkit was released.“It provided scenario-based tabletop exercises,” Goins said. The toolkit came out shortly after the church shooting in White Settlement, Texas. Two people died before the gunman was taken down.But not everyone is on board with the idea of the toolkit. “This is not something we could endorse or recommend to churches,” said Kristine Eggert, a former pastor and the Executive Director of gun violence organization God Before Guns. “For there to be a toolkit about gun violence in a church that is not taking into account anything about peoples theology, about what people believe, and about what church is.” She said there are other ways to keep each other safe.“Among talking to other pastors, as they’re looking at preparing their budgets more money is earmarked for security,” Pastor Burris said. In the event of an active shooter situation, one of the biggest factors is time. “It’s very rare the police arrive in time for a rapid mass murder,” said Ron Borsch, a former law officer who has been studies these situations for decades. “So, the simple solution is having armed and trained on site good guys.” “The security officer without a gun is a victim,” he said.“How do we maintain an open welcome environment,” Goins said. “But yet be responsible for keeping people safe.” 3338

PARADISE, Calif. – The struggle to emerge from rubble and ash now grips the town of Paradise, California. “We’ve all been through the same thing,” said Mayor Jody Jones. “So much trauma. Nobody else really knows what we’ve been through.” Last year, the Camp Fire, as it is called, destroyed 19,000 homes and killed more than 80 people killed. The recovery has been slow. Though the town issued 500 building permits after the fire, so far, only nine homes have been rebuilt. However, 3,000 people are back, along with nearly 200 small businesses that reopened, like Nic’s Restaurant. “The biggest challenge is timing,” said restaurant owner Nicky Jones, “because there’s so many people wanting to rebuild.” The challenges are staggering. Flames scorched hundreds of thousands of trees that now need to be removed because they’re in danger of falling. The fire also left behind something more ominous: contaminated soil. “For the burnt properties, more than half of them are contaminated,” Mayor Jones said. Evacuation routes there also remain woefully inadequate, potentially trapping people again, should another wildfire break out -- much like they are currently raging in other parts of California. “I think, right now, looking at the fires in California and people got to start asking those tough questions - at what point do I decide I don't want to move back out there?” said Robert Allen, an adjunct professor specializing in risk management at Tulane University. For some who call Paradise home, though, rebuilding is not so much a choice, but a calling. “My family lost 13 homes,” said April Kelly, “and for them to be able to have a place to come back to and to see me to be a part of the rebuild process personally, is just a really big accomplishment.”It’s one with many steps still to go.Correction: In a previous version of this story, we incorrectly identified the mayor of Paradise, CA as Judy Jones. The mayor of Paradise is Jody Jones. We apologize for the error. 1995

Since January of this year, state regulators have approved about 100 rate hike requests involving dozens of property insurers.The insurance regulation office in Florida gave the green light to South Fidelity to raise their rates by about 30%. And regulators okayed a 30% rate hike for Capitol Preferred.Jupiter homeowner Heidi Epstein said her property rates shot up by 50% when her insurer stopped doing business in Florida. Protecting her property will now cost Heidi an additional ,500 a year."In the middle of a pandemic when everyone is not sure what their financials are going to look like, this is not the time to have everything going sky high," she said.The insurance industry blames the 2017-2018 storm season. Hurricanes Irma and Michael caused catastrophic damage and triggered more than billion in claims.Senator Jeff Brandes (R-St. Petersburg) says the storms and rampant lawsuits against insurance carriers are driving the steep hikes in rates."They are filing more and more lawsuits they know some of these insurance companies will settle, and ultimately those costs are passed on to homeowners," he said.Insurance Industry watchdog The Federal Association for Insurance Reform points to thousands of lawsuits filed by contractors. President Paul Handerhan says roofers, plumbers and others solicit homeowners through ads, calls or door knocks and convince them to file an insurance claim. Handerhan described the pitch to homeowners as: "Let us do a free inspection of your roof, let us go inside the property of your home to see if we can find any damages. We will file a claim on your behalf."Brandes says all those claims snowball and lead to premium hikes."You have hundreds if not thousands of people asking for new roofs then all of a sudden rates across the state begin to skyrocket."Pasco County homeowner Linda Cempe got a new roof after contractor Smart Storm Solutions cold-called her about possible storm damage. She said the roofer told her that "other than a minor deductible, the whole cost for the repairs, including the facia and soffits, would be covered."The I-team checked court records and found Smart Storm Solutions filed over 300 lawsuits against insurers, including Linda Cempe's carrier in 2019 alone.Smart Storm Solutions staff attorney Robert MacKinnon says the company will only canvas neighborhoods with known storm damage. He also said the company files cases when insurance companies refuse to pay the full cost of a claim."They are confirmed claims we are arguing over the extent of damages," MacKinnon said.Smart Storm Solutions also sued Larry Kohman's insurance company over his claim after cold calling the homeowner about roof damage.We checked and found court documents showing the Kohmans' insurer settled with Smart Storm Solutions over a year ago. But the contractor never returned to replace the roof."We don't sleep much," Larry said, who explained he and his wife constantly worried about the growing amount of water damage in their home caused by a leaky roof.Smart Storm Solutions' attorney blamed the pandemic for the delay in Kohman's case and apologized, saying the company should have communicated better. After we started asking questions, Smart Storm Solutions replaced the couple's roof.MacKinnon says the lawsuits his company is filing are needed to keep insurers in check and are not part of the rate hike problem.Brandes says insurance rates could double in the next three years over claims and litigation. He says he will propose legislative reform measures that would reduce attorney fees and route some lawsuits into mediation. He's calling on legislative leaders to take action before Florida homeowners face another round of rate hikes that many simply can't afford.Before your next insurance renewal date, shop around for a policy and get multiple quotes. You can also ask to lower your coverage limits and raise your deductible, but it will cost you more if you must make a claim. This article was written by for WFTS. 4028

Black Friday and Cyber Monday may get a lot of attention during the Thanksgiving shopping weekend, but you could score even bigger deals Tuesday. “Travel Deal Tuesday” sees airlines cut fares up to 40 percent. The 227

TEMPLE TERRACE, Fla. — The "Temple Scare-Us Dead and Breakfast" is unlike any front-yard Halloween haunt you will see this year.There are creepy animatronics and punny touches and, well, Baby Yoda, 'cuz who doesn't love Baby Yoda.The event is free with plenty of candy for the kiddos. But it's the weird wonderful backstory that is so unforgettable. Alicia D'Amico and Rowena Merritt were preparing their Temple Terrace, Florida, home for the arrival of a foster child.They were on a local Buy Nothing Project Facebook page giving away free items from their house when they saw something interesting.A daughter, whose father had recently died from COVID-19, was giving away his impressive collection of Halloween decorations.They didn't know Bob Moyer or his family, but Alicia and Rowena love Halloween.Fans of the macabre holiday have each other's backs."We wanted to be able to carry on Bob's tradition, and bring his items to our home," says D'Amico, who also bought some new goodies of her own."Oh, it's a lot," laughs Merritt at the now-massive display. So this year's Halloween spectacle is in memory of Bob. His family will be visiting the family-friendly event when it is officially open this weekend.There is a special surprise in honor of Bob and his Halloween love."I feel him every day, and I feel like he's guiding us," says D'Amico.For more on the Temple Scare-Us Dead and Breakfast, click here. This article was written by Sean Daly for WFTS. 1519

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