Piles of debris and cars lie around a home destroyed by a tornado May 21, 2013 in Moore, Okla. - 

Last week's tornado in Moore, Oklahoma could cost insurance companies $3.5 billion, according to Risk Management Solutions. Bloomberg News is reporting the estimate does not include wrecked cars covered under auto policies.

As tornado victims take steps towards rebuilding, one of the toughest challenges is matching donations to immediate and long-term needs.

Marketplace's Krissy Clark joins Morning Report host David Brancaccio from Oklahoma to share some of the more human costs of the disaster and ongoing recovery.

Follow Krissy Clark at @@kristianiaclark