4 yrs ago we purchased a house in the Spanish Springs area. Like you we preferred the older neighborhoods and mature landscaping. Our house was built in 2001 ( just before the hurricane wind mandate) and had a 2 year old roof. The inspections were good but the insurance company ( Progressive) questioned the wind mitigation and asked for an amendment to the inspection showing compliance. Knowing that the requirement was imminent the builder had already implemented the changes and the inspector showed that we were in compliance and the insurance company was satisfied.
So it's pretty easy to find out if an older home, you may be interested in, is in compliance or not.
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