Not surprising at all. you pay pay pay, and then when you need repars???? You get a frraction of what your supposed to... This happaned with luis. Kinda way we decided to put money aside for emergency. If the house came down and totaled we would have been screwed, but its still standing, and we were able to pay for repairs from money save. I think we saved alot of money, But of course this is a private home not an airport.... Not surprised... Devastation like this will not give people whats due. and the wait is god awlful