Once upon a time there were calamities. No, not earthquakes, hurricanes or some other catastrophes, but something much less noticeable: insurance adjusters, welcomed with open arms, who took advantage of disaster survivors. The millions of people who suffered from a disaster each year such as earthquake, hurricane, tornado, and flood usually carried insurance, but they generally had no idea what they should financially expect, even after asking around. Nearly everyone had been left out of the loop. Suddenly by some stroke they were privy to the information and lived happily prepared ever after.
http://www.disasterprepared.net