[zvqcMMV6Zcr]

> The insurer’s phone must be making fascinating noises.

Doesn't all insurance policies exclude acts of war, and after 9/11 also acts of terrorism?

[M95D]

1) Yours and mine, probably. A refinery insurance? Who knows?

2) They're not going to pay => not answering the phone => fascinating noises.

3) Sarcasm in the article?