Year after the disaster swept through the suburbs, survivors share a telling insight—insurance pops up in almost every conversation within minutes. It's the reality that hits hardest when everything burns. Talking to people rebuilding, you realize insurance isn't just paperwork or financial planning jargon. It's the difference between recovery and collapse. When disaster strikes, people don't debate philosophy. They're thinking about coverage gaps, claim timelines, and what they actually need to get back on their feet. The lesson cuts deeper than just real estate—it's about risk management, asset protection, and having a safety net when the unexpected happens.