Risking his job, Robert Winter, a 25-year veteran FEMA inspector, reveals what insurance companies and FEMA don't want you to know about how to get the most money from your insurance AND FEMA should a disaster occur. With weather experts predicting a harsher than normal 2015-16 winter due to the effects of the El Nino phenomenon, the time to read this newly-released manual is now. Dealing with the nightmare of insurance, "the disaster after the disaster," this book includes advice and tactics on how to handle insurance companies if you're being treated unfairly. Stories from Hurricane Sandy and other major disasters show how you can't and should never rely on the federal government or FEMA to "save the day," which certainly didn't happen to the over 1800 people who died during Hurricane Katrina. This book also offers practical tips provided by insurance professionals about having "the right kind of insurance" to protect you and your family before a disaster occurs when choosing an insurance policy. The back section of the book provides checklists for not only disaster preparedness, earthquake preparedness and facts from the Red Cross about how to survive an earthquake, it includes household inventory sheets and more tips to help you prepare for what could be the worst day of your life, especially if you live in a high risk area of the country. This is Robert Winter's second book. His first, Dust in the Wind: Real FEMA Disaster Stories, personified his growth as a humanitarian. Through sometimes hilarious circumstances and other times tragic, this book provides more than a glimpse of what truly happens behind the scenes and what is far removed from the media spotlight during a disaster. But more importantly, how crisis can bring out not only the worst in people, but also the best.