It's not a question of "expectation." It's a matter of law.
You are a conservative.
Therefore, you believe in the rule of law.
This means laws you don't like, laws you wouldn't have voted for, laws you wouldn't have passed.
The laws exist. The laws will be honored, like it or don't. If the requirements are met, there's no way around it.
You can pay them now, or you can pay them later, but you will pay.
If you don't like it, then may I suggest that in the future, in addition to not voting for Democrats, you don't vote for Big Government Republicans.
BUT -- laws can't be changed retroactively. The United States Constitution prohibits ex post facto laws.
SO -- like it or not, you will pay.
No kidding; then explain how it is that people who didn't bother to buy flood insurance are getting paid anyway?
And you better send Trent Lott an email informing him of that; he and his sleazy brother-in-law are going to court to change the LAW about flood insurance.
SO -- like it or not, you will pay.
You sound extremely happy about that; it's attitudes like that that are turning so many people OFF to the plight of New Orleans.