Comment by 6LLvveMx2koXfwn

This basically covers the financial model of the whole insurance industry;

    - get insurance to cover you for X
    - get hit by X
    - realise you actually got hit by Y after reading the policy small print (or you really did get hit by X, but your policy only covers you for Y)

Getting something like Volcano Insurance requires some specific foresight, I would be slapping myself on the back if my house was covered in volcanic ash right up to the point when I got on the phone to my insurance company to make a claim.