The Nancy Lopes lawsuit is new, this is from the last 10Q, so the 10Q was written before the latest law suit no?
Therefore, its not clear about the limits of the insurance policies.
I haven't read the suits in any detail, been busy so I'm not 100% sure about this.
"We expect that much of the cost related to those actions will be covered by insurance, but cannot provide any assurances with respect to the outcome of the pending claims, or claims yet to arise, including that such claims will not exceed the limits of our insurance policies. "