Don't be silly. Building codes require houses to have roofs and houses in Florida to have roofs that can withstand hurricane force winds. They do not dictate to insurance companies what they are forced to pay for.

As evidence, I offer my own concrete-and-steel 2008 CYV, with original hurricane-resistant roof, which is still under warranty for 5 more years, and inspected to be sound last year. Last year, my Florida insurance company dropped coverage on that roof, except for damage caused by a named storm. This year, they reduced the coverage on that roof for named storms to the depreciated value of the roof (less than the deductible), effectively removing the roof entirely from coverage.

The Florida legislature, not the building code, dictates what insurance companies will pay for. Last year, they dictated that insurance companies must insure 15-year-old roofs with five years of life remaining.

So, the moral of the story is that NOBODY tells a Florida insurance company what they will or won't do. They do any damned thing they please.

Don't worry, we have it under control. Al Gore is going to deem it man-caused and add that to his speeches and make millions off the idea. It's the global warming that is causing all the problems in those counties and we are going to get to the bottom of it. No more fossil fuel machinery! It's all the CO2 being released. :loco: