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Firefighters work beneath the destroyed mullions, the vertical struts which once faced the soaring outer walls of the World Trade Center towers, after a terrorist attack on the twin towers in New York, on Sept. 11, 2001. Firefighters work beneath the destroyed mullions, the vertical struts which once faced the soaring outer walls of the World Trade Center towers, after a terrorist attack on the twin towers in New York, on Sept. 11, 2001. ( Photo: Mark Lennihan/AP)

If you think that property insurance backed by the federal government’s terrorism insurance backstop will cover you for any act of terror, you might want to think again.

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