What do you expect in case of loss? Who cares? Who has disaster preparedness/recovery money for that?
I don't have all the answers, but I do have this one on disaster preparedness/recovery:
A letter pertaining to disaster (hurricane, earthquake, tornado, flood, fire, etc.) has been sent to President Obama on behalf of all insurance policyholders. As a matter of transparency on the record of insurance consumer protection, any response by President Obama will be posted on the Disaster Preparedness Website for review.
Qui potest et debet vetare, jubet: (Law Maxim) HE WHO CAN AND OUGHT TO FORBID A THING IF HE DO NOT FORBID IT DIRECTS IT