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Let's talk about before and after a disaster, perhaps share your opinion. Here's mine: crucial information and rights are essential. Someday the new face of insurance or government may see to it the insuring public is genuinely prepared and informed. Until then you, the policyholder, need not only be prepared for disaster, you need to be prepared for the aftermath when you are most vulnerable and bullies take advantage. After all, it is the effect from disaster that preparedness allows you to better handle.