I wonder down the road if developers would start their own insurance company. For the few total losses per year they could rebuild cheaper, faster, and still make money.
Staff and more than enough money in place, write policies that would benefit the name. They could raise rates as they choose, force those who really need a roof to replace, or find a different insurance. They just need some underwriters and adjusters.
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Do not worry about things you can not change 
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