Did you see this from the KWHW Sunrise Reporter?

"Bintz was very thankful ... Insurance will cover the accident ..."

FEMA and your tax dollars were not summoned to the accident, except for the first response from police and fire. The only Federal response was from the National Guard unit that just happened to be training in the area at the time.

Don't wait six months after the disaster to call your insurance agent. The first call should be to your insurance company. The advise is for owners and renters alike.

Check your policy. The two needed items after a disaster are shelter and debris removal. Homeowners policies may have provisions to cover both.  Renters' insurance often covers the cost of temporary shelter until one can return to their home.

The National Association of Insurance Commissioners offers an explanation of the disaster claims process.

Plan, prepare, practice ... Go ahead and call your insurance company while you are thinking about this part of your plan.

Paying the Price: The Status and Role of Insurance Against Natural Disasters in the United States (Natural Hazards and Disasters: Reducing Loss and ... in a Hazardous World: A Series)