Once upon a time there were calamities. No, not fires, earthquakes, hurricanes or some other catastrophes, but something much less noticeable: insurance adjusters, welcomed with open arms, who took advantage of disaster survivors when they were most vulnerable. If you didn't have at least one hand on the wheel before the curve you lost control. The millions of people who suffered from a disaster each year such as earthquake, hurricane, tornado, fire 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, mainly because most of us rather hoped for the best than prepared for the worst. It is hoped you have found some immediate help here, and realized the greater benefit of preparedness in the long term, before a crisis of having your authority conceded for lack of knowledge. Crucial information and rights are no mystery and certainly not make-believe.

When it comes to your property, you see what to expect in case of loss, e.g., hurricane, tornado, earthquake, flood, fire. It's the content that matters...inside out.

• The N.A.I.C. (government entity that makes the insurance rules) Unfair Property/Casualty Claims Settlement Practices Model Regulation section on policyholder rights and insurance company responsibilities is contained in the book, "Policy Ensurance."

Control the element of surprise with Policy Ensurance by your side!