Originally Posted by Wuzzat?

Chain of associations:
tornado (literal) > deadly storm (more abstract) > some storms cause large hail (literal but general) > some unlucky persons may be killed (abstract).
During my time in San Antonio as a guest of the USAF we suddenly had hail the size of golfballs. The newer cars were damaged. For a NJ native, this weather was flat out nuts.

Other thoughts: who's to blame? > Act of God, it seems the victim took reasonable precautions.

What's reasonable?
People get hit by objects from space but nobody goes around underground in anticipation of this event.
With 1000 people/yr in the US dying from smoking, smoking is "unreasonable".

With the shelter doors, I guess having multiple exits in a star pattern will better your odds of being able to leave. Having tools or signaling devices in the shelter may also help.