There's nothing like a week of earthquakes, floods and gales to make you realise the importance of being prepared for disaster.
It's not only environmental conditions that create disaster; there are personal disasters too, such as serious illness, loss of a family member or loss of a job.
A disaster of magnitude has financial consequences, whether it is loss of property, a temporary loss of income, loss of the ability to earn income, or increased costs.
Preparing for a disaster starts with asking the 'What if ... " question. What if I am involved in a serious earthquake?
What if I suffer a serious illness or injury and I am not able to work again for several months or even years?