Just because you have a new roof, doesn't mean you are safe from windstorms (as spinner indicated ).

Besides windstorms (by hurricanes, tornados, etc.) homeowners' insurance also typically covers : fire, smoke, explosions, liability, lightning, hail , theft, floods, sink holes, vandalism, damage from vehicles, damage from aircraft, riots, civil commotion, and volcanic eruption.

You can get insurance for all those other things besides wind very reasonably. Just tell your agent that you want to self-insure wind damage.

The bulk of your policy premium is for wind damage. There wouldn’t be an issue if they stopped writing coastal Policies and required flood insurance near any body of water.

The 100 years flood designation is obsolete

Right. Just read a Tampa article about State Farm - largest insurer in FL next to Citizens. State Farm says they're going to stay in FL... but I'm not counting on that. Their exposure is huge and they've been restricting new homeowner policy writing for over a year.
KNOW THIS - Homeowners in FL are now on the hook big time for Citizens (the state insurer of 'last resort' - Citizens is well over the exposure limit that they can cover. In the event of a large claim event (hurricane etc) EVERY FL homeowner will pay the claims. Yes - all of us. What's the deal with our politicians? total mess - all parties should be working to fix this.

Well, after all my grousing about the crooked Florida insurance industry, it appears that at least one out-of-state agency has noticed, and is providing an alternative, while cowards like Farmers respond by running away without ever discovering that The Villages is not a suburb of Miami.

After forcing my agent to shop my policy (which they have resisted), they came back with a bunch of even more astronomical quotes from practically every Florida-based company there is. About half of them flat-out refused to quote it because the roof was 15 years old (in flagrant violation of the 2021 insurance law). Being a seasonal rental, none of the national brand names will touch it, of course, so they weren't listed.

There was only one brand missing, which seemed odd because I was under the impression they were Florida based -- Kin. So I looked them up on-line and discovered that, not only are they not based in Florida, I didn't even need an agent to get a quote. In about 10 minutes I had a quote for BETTER insurance than my American Integrity policy (it actually covered my roof!) for HALF the price! They let me raise my deductible to $5K (which only saved $100 at A.I.) and let me choose a depreciating value on the roof. I was also able to choose a reasonable reconstruction value for the house instead of them insisting on the Zillow market value, as if I'd be stuck re-buying the lot if a tornado wiped it clean. In other words, they let me choose exactly the same kind of policy I've had for the 40 years that I was a home owner before moving to Florida. And I didn't have to beg some salesman to give it to me.

I was so tickled that I quoted my other home and saved myself another 50%!

Link??

Now that makes too much sense!!