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)

Editor's Note: In December 2019, President Trump signed the Terrorism Risk Insurance Program Reauthorization Act of 2019 into law, extending TRIA until 2027.

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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