If this truly is a case of preparing for the big one then if it does not show up will we get our money back? I doubt this is purely about preparing and more about profit to make up for huge losses in the stock market as companies insured worthless financial paper. AIG didn't get federal funds because of storms like Ike and Katrina but instead because of bad investments.There are only so many burdens that homeowners can bear before their bubble pops.