I've had a few disasters. One, my 1/48 Tamiya Lancaster decided to fall from the ceiling. Broke into major pieces mostly and I was able to repair it. Second, my 1/48 Monogram B-25 took a similar nosedive and amazingly though it hit the concrete floor of my garage, I was able to repair it as well. Both are still "flying" through my garage in remarkably good shape.
Which leads me to the real disaster: In my garage workshop I had 4 shelves on the walls displaying most of my non-hanging models. Two of the shelves decided to pull out of the molly bolts they had been in for a year or so and took roughly half of my built models, dating all the way back to when I got back into this hobby in '95, with them.
Got a call at work and was told that there had been an accident in the garage and that, well, ahem, my models were in many hundreds of pieces on the floor. Well, there wasn't much I could do at that point, so I went about my business until it was time to leave. That drive home was kind of a dreadful drive, wondering just how bad the carnage would be. When I got home and pulled into the garage, the first thing I saw, in kind of an homage to Robert Ballard's discovery of the Titanic, was a lone propellor from my Monogram 1/48 P-40. Coming around the corner, the remainder of the mess was there every bit or worse as I had imagined. But I used the disaster as an excuse to get replacements of most of the kits I lost.