Every year people are affected by disasters. Lives are lost, property is destroyed and personal effects lost to the unforgiving aftermath of both natural and man-made disasters. The saddest part of such devastation is that most of it could have been averted with the proper preparation. Being prepared does not mean that one won't incur any loss, however, if one prepares properly, it can save lives, homes and personal affects. Proper preparation can also make recovery and dealing with insurance companies and government entities exponentially easier.