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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 disa