Disasters are great money makers for the Org. After Ktrina hit New Orleans hundreds of the brothers and sisters have spent countless hours rebuilding homes for displaced JW's. If the JW had no insurance, the brothers would rebuild their home anyway, for free. But if you had insurance, you agree to send that money to the society when it comes in.
So the society would provide the materials, the brothers and sisters would provide the free labor and the org would receive ALL the money.
Katrina was quite a cash cow for the society, I bet this earthquake will be too.