I doubt many Pillipino's have insurance, they are very poor people and survive on little.
Over the years Government support structures for the needy and those involved in disasters has changed. Charities can apply to the Government for funds and need to support their claim/s. Charities that go on large donation campaigns will also provide funds to other Charities, again they would need to demonstrate that the money will be used beneficially.
I never realized until a couple of months ago that the WTBTS has recieved money from Charities, there is no reason to think that they have not also applied and recieved funding from Governments. With all the manpower that they can provide as well as organizing and supervising they would be in a very good position to demonstrate that they would make good use of the money. They do not provide assistance for just JWs, they do provide a little to the general public and this may be to demonstrate that they are helping anyone and therefore qualify for funding. It would be very interesting to see what they say in their applications and whether they are honest in stating that most of the money provided would be for the benefit of JWs.
Now, whenever I read the self promotional reports from the WTBTS as to the goods and services they have provided they never state how much funding they have recieved by other Charities or from the Government, so it is just assumed that it is all supplied by the WTBTS.
Just look at the report above by Almond. There is plenty of building material being provided by the WTBTS but not one mention as to where the funding came from for the materials.