CYCLONE Yasi’s impact is ongoing . . . with all the rain a Northern Beaches family was having trouble with their septic tank. They had it pumped out but the water table had risen so high that the empty tank collapsed completely under the sheer weight of the sodden soil, leaving them without any toilet at all. Their insurance company said it would be weeks before an assessor could come so they asked if they could hire a portaloo for $ 30 a week. Oh no, was the response. That would be far too expensive. Instead, the insurance company offered to put them up in a hotel for the next fortnight! And we wonder why our premiums are so high.