The EF3 tornado caused at least $1 billion in damage in the city of St. Louis alone. At the storm’s peak, more than 100,000 lost power. Five people were confirmed dead and dozens of residents were hospitalized with injuries.

Residents in St. Louis, surrounding areas in Missouri and parts of Kentucky were hit by destructive tornadoes on Friday, May 16. The twister left countless structures damaged, power lines down and at least 100,000 people without power — not to mention the dozens of tragic casualties that were reported.

Two residents whose homes were completely destroyed provide advice for their Midwest neighbors about the insurance process.