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Positive thoughts and wishes to those in NSW and Victoria who may have some hard times ahead.
PS Julia, Calliope - I made no reference to insurance policies in my last post and neither did the post I was referring to. Anyway, let's forget that. Thank you for your posts.
My reference to insurance was in regard to your comment;
.Exactly where in Australia (or even the world) is a place that everyone can live, that is safe from every natural disaster known (or unknown)? We have to live somewhere
You have provided a good argument that where possible we should insure against disasters, unless of course the risk is too high, then the cost is prohibitive and we have to cop the fallout.
My policy covers me against fire, storm, flood, tidal waves, tsunamis, lightning and earthquake, but because I live in an area safe from flooding the premiums are very reasonable. The odds against the other major disasters are pretty high.