is nationwide natural disaster insurance. Implemented by Arthur Sterbcow, a Realtor from Louisiana and a member of NAR's board of directors, "The Homeowners' Insurance Availability Act," authorizes the establishment of a federal reinsurance program for state disaster programs (Riggs, Trisha). Although insurance is just one of the ways that aid after a natural disaster, being prepared before or during a natural disaster is preferred.
             In spite of all of that Mother Nature has thrown our way it is amazing to discover that, on the whole, we still remain under-educated about and even unaware of the natural hazards that can completely alter lives in a matter of minutes. There are three areas where our efforts should be concentrated for mitigation: improving hazard awareness, improving understanding of mitigation, and making disaster risk management an essential part of the development planning process.
             In recent years, under the guidance and leadership of the Intern
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