It can be an earthquake (like in Japan in 2011), a hurricane (like in New Orleans), a flood or tsunami, and so on. At the same time, it can be a disaster or accident of a smaller scale, but still a significant one. Domestic fires, for example, destroy hundreds of residences annually; usually, if a brigade of firefighters does not manage to arrive on time, people suffer severe material damage. Left without a home, victims of these disasters also often lose their IDs, property documents, credit cards, cash stashes, and so on. It can take months (or even years) to renew them. And friends and relatives are not always willing or capable of helping a victim during the time he or she recuperates (IFR).