If the earthquake was so big then coming up with the cash needed for the deductible would be at the bottom of my list. Instead I would try to find an alternativ

If the earthquake was so big then coming up with the cash needed for the deductible would be at the bottom of my list. Instead I would try to find an alternative place to live for 6-12 months. If there was an insurance that covers living and mortgage expenses for an year, I would totally buy that.