Generate an explanation for the given claim using the provided supporting material from the paragraph. Please consider the following points while generating an output. 1) The claim will always have supporting proof in the paragraph, and the paragraph will have a clear point of view supporting the claim. 2) There can be instances where direct correlation to the claim is not available. Make use of the sentences in the paragraph to provide a corresponding output supporting the claim. 3) The explanation should be at least one and at most twelve sentences long.

Q: Paragraph: "Florida leads the nation in deaths from lightning strikes. But State Farm, one of the nation’s major insurers, says it is Georgia residents who file the most claims for lightning strikes in the country, WSB-TV reported Friday, June 5. PolitiFact Georgia was intrigued and decided to dig a little deeper. We began by contacting Justin Tomczak, a State Farm spokesman. He sent us data showing Georgia was No. 1 in 2014 for lightning-related claims both in number (3,709) and total dollar value ($16.3 million). Texas was second, Alabama at third, Louisiana at fourth and Illinois at fifth. STATE Reported Count Paid Indemnity  Georgia 3,709 $16,301,952 Texas 2,201 $14,160,258 Alabama 1,902 $10,930,264 Louisiana 1,707 $10,930,264 Illinois 1,669 $8,030,507 . ""This is the third year in a row that Georgia has been ranked No. 1,"" Tomczak said. Most of the lightning claims were surge- or power-related, the spokesman said. Damages generally resulted from power surges in electrical wiring, TV cable or phone lines in homes or businesses, he said. As to why Georgia has the most claims, Tomczak said, ""there is no simple answer. However, many of the lightning claims are concentrated in the Southeastern United States, and Georgia has one of the highest populations in this area."" John Jensenius, lightning safety specialist with the National Weather Service, said the population density in metro Atlanta may be a factor in Georgia’s high claim rate. The denser the population the more likely lightning will strike a house, Jensenius said. The Insurance Information Institute, in conjunction with State Farm, compiles a list each year of the top 10 states for homeowners insurance lightning losses by number of claims. In 2013, the institute listed Georgia as highest with 11,184 lightning-related insurance claims from homeowners. Its 2014 report is due out within days, a spokeswoman said. (Georgia was No. 1 for 2012 with 3,844 claims totalling $21.5 million and for 2013 with 2,969 claims totalling $14.9 million, according to State Farm). Nationwide, lightning strikes cost about $674 million in homeowners insurance losses in 2013, down 30.5 percent from 2012, according to the institute. From 2007 to 2011, local fire departments across the country responded to an average of 22,600 fires a year that were started by lightning, according to the National Fire Protection Association. These fires caused an average of $451 million in direct property damage and nine civilian deaths a year, an NFPA analysis shows. Lightning deaths  Florida led the nation for lightning deaths in 2014 with six, followed by Wisconsin with three. Georgia, Arizona, Arkansas, Colorado and Massachusetts each had two deaths. Seven additional states -- California, Michigan, Missouri, Mississippi, New Mexico, Pennsylvania and Texas -- reported one lightning death in the year. The 26 lightning deaths in 2014 followed a record low of 23 set in 2013. The National Weather Service said deaths from lightning strikes averaged 33 a year from 2004 to 2013 and, going back over the last 30 years, an average of 51 people died each year after being hit by lightning. The significant decline in lightning deaths has been attributed to fewer farmers working in the fields, technological advances, improved safety standards and protection. As of the June 1, 2015 there have been six lightning fatalities, two in North Carolina and one each in Iowa, Florida, New Mexico and West Virginia, according to the National Oceanic and Atmospheric Administration (NOAA). WSB-TV meteorologist Brian Monahan said lightning strikes occur most often in Georgia during the summer months when the high pressure area out in the Atlantic around Bermuda pumps in warm, humid air, creating those all-too-familiar afternoon and evening thunderstorms. A secondary spike of lightning strikes also occurs in the severe weather seasons of March to early May and around October and November, when the air is still warm and humid enough to support storms, Monahan said. Our ruling State Farm says Georgia residents file the most claims for lightning strikes in the country. There’s evidence this has been the case last year and the two previous years." Claim: Georgia residents file the most insurance claims for lightning strikes in the country.

A: State Farm says Georgia residents file the most claims for lightning strikes in the country. There’s evidence this has been the case last year and the two previous years.
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Q: Paragraph: Malls, restaurants and streets in Daegu, the country’s fourth largest city with a population of 2.5 million, were largely empty in scenes that residents and social media users likened to a disaster movie. “It’s like someone dropped a bomb in the middle of the city. It looks like a zombie apocalypse,” Kim Geun-woo, a 28-year-old resident told Reuters by telephone. “Even Dongseong-ro Street – the most crowded centre of the city – is empty,” he said, adding that he had tried to buy surgical masks but shops were sold out. Korea’s Centres for Disease Control and Prevention (KCDC) reported 53 new cases of the virus on Thursday, following 20 a day earlier, taking the total across the country to 104. Of that national tally, 70 patients are from Daegu or nearby and the majority have been traced to an infected 61-year-old woman known as “Patient 31” who attended a church, a scenario that KCDC described as a “super-spreading event”. South Korea also reported the first death of a coronavirus patient, though the man’s exact cause of death was being investigated. The man was among 13 people at a hospital near Daegu who tested positive for the virus. Health officials said they were investigating whether there were links between the outbreak at the church and the hospital. The hospital would be temporarily shut down and about 600 staff and patients would be tested for the virus, Yonhap news agency reported, citing officials. Several major department stores, including at least one in Seoul, were closed after reports that Patient 31 had visited in recent weeks, Yonhap reported. Daegu Mayor Kwon Young-jin told residents to stay indoors as he warned of likely further cases. “We are in an unprecedented crisis,” he said at a briefing in the city, about 240 km (150 miles) southwest of the capital Seoul. Kwon cautioned that at least 90 more of the about 1,000 other people who attended services at the Temple of the Tabernacle of the Testimony were also showing symptoms. “We plan to test all believers of that church and have asked them to stay at home isolated from their families,” Kwon said. South Korea’s vice health minister Kim Kang-lip said at a separate briefing in the administrative city of Sejong that the situation was “very grave”. The cases previously reported in South Korea had mostly involved people who had travelled individually to China or come into contact with somebody who had, but it is unclear how Patient 31 contracted the virus. Daegu authorities ordered the shutdown of all kindergartens, while all schools will postpone the beginning of the spring semester scheduled for early March by one week in an unprecedented move, Yonhap said. The Defence Ministry banned troops stationed in Daegu from leaving their barracks and receiving guests, while a soldier who had recently visited his home in Daegu tested positive for the virus. The U.S. military imposed similar restrictions on its army base in the city, which houses thousands of troops, family members and civilian employees, curbing travel and closing schools and child-care centres. Media footage showed the few people on Daegu’s usually bustling downtown streets wore face masks and kept far apart. Topics such as “Daegu lockdown” and “Daegu church” were among the top searches on major South Korean portal Naver as debate heated up online about whether the city should be sealed off from the rest of the country. A KCDC official told Reuters the government was not considering that measure. The church at the centre of the outbreak is a branch of the Shincheonji Church of Jesus, a religious movement founded in 1984 by South Korean Lee Man-hee who has about 500,000 followers. Some commentators on social media blamed the custom of churchgoers sitting on the floor close to each other during services as increasing the risk of spreading the virus. Shincheonji said on Wednesday it had closed its Daegu church and instructed that services elsewhere be held online or individually at home. Claim: 'Like a zombie apocalypse': Residents on edge as coronavirus cases surge in South Korea.

A: Residents of a South Korean city at the centre of a new coronavirus outbreak described empty streets, deserted shops, and a climate of fear as a surge in confirmed cases linked to a church raised the prospect of wider transmission.
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Q: Paragraph: The state Court of Appeals said retirees don’t have a contract preventing them from being forced to pay part of their health insurance costs under a law passed in 2011. A three-judge panel ruled unanimously that there is no contractual obligation limiting the State Health Plan covering more than 700,000 employees, retirees and their dependents. “Retired state employees are promised nothing more than equal access to health care benefits on an equal basis with active state employees,” Judge John Tyson wrote in the ruling for himself and Judges Wanda Bryant and Robert Hunter. Retirees, including former Chief Justice I. Beverly Lake, sued in 2012 after the legislature directed the state employee health insurance plan to mandate that they make monthly contributions to receive what had been standard insurance coverage. The retirees claimed the state had agreed to a non-amendable contract that entitled them to premium-free health benefits for the rest of their lives under a health care plan in which the former workers paid 20 percent of their co-insurance. Retirees still have access to premium-free options in a 70/30 plan and, if qualified, to a Medicare Advantage plan. Active state employees have no premium-free health care options, the judges said. The appeals court reversed a 2017 decision by Gaston County Superior Court Judge Edwin Wilson that retirees had a contractual right to receive the standard coverage without a premium. State Treasurer Dale Folwell, whose office includes the State Health Plan, estimated in 2017 that with more than 220,000 people covered by the lawsuit, Wilson’s decision could cost state taxpayers more than $100 million, plus much more to cover the higher cost for retiree coverage in the future. ___ Follow Emery P. Dalesio on Twitter at http://twitter.com/emerydalesio . His work can be found at https://apnews.com/search/emery%20dalesio. Claim: N. Carolina court: State retirees should pay health premiums.

A:
A former North Carolina Supreme Court chief justice and other retired state government workers and teachers aren’t exempted from paying health insurance premiums because they had a deal with the state to keep their benefits unchanged, an appeals court ruled Tuesday.
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