But that's the point pescador those of us who are responsible PAY the extra money for our earthquake insurance because we know we live in earthquake country. 

The same way that smart people in Texas pay for hurricane insurance.  It only costs an addl 600$ a year to have earthquake insurance.  The same way I'm sure it would have only cost these people an addl 600$ or so for flood insurance.  So I guess some of us don't feel the need for sympathy when those who can afford waterfront property don't want to pay for water damaging types of insurance.