Nothing is certain except death and taxes… and disasters. Although one never knows when disaster will strike, one can prepare for it, plan for ways to persist through it, and learn about the ways charitable resources can be provided to disaster relief victims. The panelists will discuss pre-disaster planning ideas with a focus on insurers' responsibilities and the pitfalls of homeowners insurance coverage related to Dwelling, Personal Property, and Alternative Living Expenses, and preparing your house and family for the legal, physical and mental tribulations that come from surviving a disaster. Then, through the lens of a wildfire victim, they will discuss the realities of life after a disaster including the evacuation process, the truth about insurance claims, how to obtain government assistance from FEMA and SBA and what they actually cover, the cleaning-up and rebuilding process, and, most importantly, how to stay sane throughout it all. Finally, the panel will discuss different methods for providing charitable resources for disaster relief, ranging from GoFundMe accounts to using existing charities and community foundations to creating new charities to assist victims.