How can you live in a city that cost's sooo much in real estate value, and not have a simple home owner's policy to cover your belongings?
And why, with impending doom approaching your doorstep, are you playing on the internet message forums?
My God man! Use your noodle! Even neanderthal was educated enough to know not to stick his hand in the flames. When the nice guy in the raincoat and helmet driving the big red truck suggests you take off, don't question it!