I have read quite a few times that the WTS collects Disaster Relief from the governmental agencies that deal with relief. The WTS will help only JWs with the funds they get and then after helping JWs to rebuild, they ask for the insurance money from those they helped.
Do we have proof of this?
We do know that they have requested that JWs not write that the donations they give for disaster relief have that written on their cheques. They are simply to sign the cheques for the "world wide work" and that the WTS will decide where the money is most needed.