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The subject of not being insured in the first place is not covered in your article above. While my husband and I are insured to the maximum/replacement levels of coverage, we have acquaintances who said after the 1994 earthquake here in California, "We're not paying for earthquake coverage; after the next one, we'll just call FEMA!" Will it be that easy for them to receive taxpayers' money when they didn't take responsibility for coverage when they had the chance?