I know for a fact that the RBC "brothers" were supposed to inquire if the homeowners they helped had insurance, and if they did, they were ask them to donate the insurance payment to the "world-wide work" so they could "help others who don't have insurance." Of course, the donations were not to be ear-marked for relief work. They were supposed to go into the Society's general funds to be used as the Society saw fit. Absolutely no accountability.
I know this because my brother-in-law was a long time elder and RBC overseer and he confirmed this in a private conversation. When I raised my eyebrows in surprise that it really was true, he just resignedly shrugged his shoulders. He did add that they would go ahead and do the work even if the homeowner said they couldn't agree to sign over their insurance money. Mighty big of 'em, I say...