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 These tips and tools can help you recoup thousands of dollars if disaster strikes. Inside Creative House / Shutterstock.com

Hurricanes, earthquakes, tornadoes, floods and fires: Disasters strike all the time. But until one hits close to home, most people feel it could never happen to them. Most of us have insurance to make us whole if the worst occurs. But if disaster strikes, it’s unlikely you’ll be able to remember everything you own. And unless you have accounted for all that stuff, you won’t get what you should…

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