Well now in our defense on insurance a major hurricane payout has not occurred since Charley and we were being hit by two hurricanes in 24 hours - the other being Bonnie.

That was 2004 and in the last 13 years Florida homeowners insurance cost you a kidney. This will be the first pay out in 13 years. I think FL has paid its share.

I dunno why they didn't pass stricter codes. It really doesn't add that much to the cost of the home especially block homes if its done when you are building the home. Most likely the culprit is the builders paying off their favorite politicians.

I mentioned the really old home are very tough. Its the homes built from about 1935 and later that are not strong enough, the ones built when block construction became the preference - strong walls but the roofs fly off.

Build a home on the beach ? That would be OK if they paid for the increased risk but that doesn't happen. They pay more but not enough.