"Is is not sort of a contract whereby we send them a lot of our cash and they at least have some contingency planning for situations like this?"
No it is not a contract, we pay and we hope.
Usually the planning works, sometimes it doesn't, like now.
We need to adapt our plans to meet the situation, because the situation has changed.
If you think about it, this is like the small nuke going off in a city, maybe worse. It shows you that we need a long way to go as far as disaster planning is concerned.