The disaster what ever it may be is only the beginning, In Christchurch (NZ) people are still fighting the insurance companies, even the City Council has only just got paid out, only a fraction of the amount required. The main aim of insurance companies is to pay out as little as possible, they aren't there to help, they are there to make a profit.
Seems it's time for disasters, fires in Australia, floods in Britain, Tornados in USA, thinking of all of you.
Ian S C