es to social and economic infrastructures and the losses of capital stock and inventories. The indirect effect results from the decline in production and in the provision services, loss of revenue due to disruption of production and services, and increased costs of goods and services. The effects that may appear some time after the disaster are the secondary effects. These include decreases in economic growth and development, increased loss of revenue due to disruption of production and services, and increased costs of goods and services (Caribbean Disaster Mitigation Project).
             It is these three terms that banks use to survey the amount of revenue needed to sustain the natural disaster stricken countries. The main purpose of the Bank's participation in the field of natural and unexpected disasters is to assist member countries in effectively protecting and resuming their socio-economic development. The Bank also seeks to assist member countries in taking appropriate measures to reduce or avoid losses from all disasters. At their request, the Bank will participate in enhancing member countries' capacity to take into account their vulnerability to disasters in their development projects and programs and to respond to disasters. Specific objectives are to prepare for, and to prevent and/or mitigate, the hazards that cause loss of life and property and damage to the economic infrastructure and the environment. In assisting borrowing countries affected by disasters, three stages of an event are distinguished: before, during and after its occurrence (Inter!
             -American Development Bank). In the United States related insurance steps have already taken place. A national-insurance plan provides real estate owners with adequate, affordable protection against a variety of natural disasters such as hurricanes and earthquakes, according to a representative for the National Association of Realtors. Federal legislation has recently created th...