It isn't cynical to claim they are being opportunistic as much as it is myopic. If you want all recovery efforts to be done by gloomy stoics who are clawing back at a lifestyle stolen from them by cruel nature while telling heartbreaking stories about how hard it is to rebuild ... that will miss the opportunity that the situation will be quickly and dispassionately sorted out by some faceless corporation exasperated that its profits are down.

People like to think of capitalism as some sort of siphon system moving comfort from poor to rich, but it is a very powerful stabilising force. If there was an economic equilibrium and a disaster breaks it, letting capitalism happen will restore most of the status quo extremely quickly.

Saying that that is opportunistic is simply framing a positive thing negatively. If people are happy to do something out of their own self interest that is better than them doing it out of a sense of charity; and much more sustainable.