This paper presents a novel method, called TSHOVER, for tolerating up to triple disk failures in RAID/DRAID architectures or others reliable storage systems. TSHOVER is two-dimensional code, which employs horizontal code and vertical code at the same time with simple exclusive-OR (XOR) computations. This paper shows the new step ascending concepts used in encoding, and it has the capability of realizing fault tolerance. TSHOVER has better data recovery ability to those disk network storage systems with relatively more dynamic changes in the number of disks. Compared with RS and STAR code, TSHOVER has better encoding performance. When updating a data strip, only 6 XOR operations are needed. Both experimental results and theoretical analyses show that TSHOVER has better performance and higher efficiency than other algorithms.