We haven’t tied that yet," Doug Korneski, the FBI agent in charge of the agency’s Memphis office, told reporters last week at a news conference. He said terrorism coverage was the farthest detail from his mind when he was selecting an insurance policy seven years ago. “I hadn’t even heard of terrorism coverage back then,” Gibson said. He described “massive pieces of timber all around and lights flickering.”According to the Treasury Department, 30% to 40% of Tennessee businesses have excluded terrorism coverage from their policies. A 2002 federal law — enacted by Congress shortly after the 9/11 attacks — allows the Treasury secretary to certify an event as an terrorist act regardless of how law enforcement officials regard it.

According to the incident report, when officers arrived, police said she had two unloaded pistols beside her on the porch. “During that visit, before leaving for the evaluation, Perry told police that her boyfriend was making bombs in an RV,” the report stated. The report also said attorney Raymond Throckmorton told officers that day that he represented Warner and told officers Warner “frequently talks about the military and bomb making,” the police report said. Warner “knows what he is doing and is capable of making a bomb,” Throckmorton told responding officers. On Tuesday, Throckmorton told The Tennessean that Perry had fears about her safety and thought Warner might harm her.