post andrew and pre-andrew homes are not differentiated.
Therein lies the insurance company's guilt. They don't target homes across type or give meaningful discounts.
There are people I know who have the new hurricand glass which does not need shutters AND still have shutters. Those windows would survive a class 4 hurricane but the insurance comany gave them a 1-2 hundred discount TOTAL!
(note: flood insurance is a totally different issue. in fact I believe only the feds have it)
"Therein lies the insurance company's guilt. They don't target homes across type or give meaningful discounts."
Alas, state regulations don't permit them to.
The solution to regulations is not MORE regulations.
It's de-regulation.
I thought everyone here was conservative.