I hate to think in those terms, but depending on what kind of insurance you've purchased, if the planes don't fly or the properties aren't habitable you should have recourse through them, or at least, that's my understanding with what we purchased. <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" />