How fun! The day after we decide that the earthquake insurance we've been paying for lo these many years is just too expensive (250k deductible for 5k/ year), mother nature says hi with a rattler shaking me awake in the dead of night. "Hey, girl? You sure?"
@mathling the 'house' always wins ... and the actuaries have a lot of geologists ... its a no win situation eg. how to lose 'less' is best case approach.