When my aunt lived in Orange Beach, Florida, you couldn't get hurricane insurance. Cheaper just to rebuild.
Florida is full of fly by night contractors that don't build to code and when the hurricane blows the houses down, everyone cries and whines. Of course, building in the path of a hurricane, even to the best of codes, is just playing with fire. They've had hurricanes in Florida forever yet people keep coming and buying houses right on the water, in a flood plain, 2 feet above sea level. Everything's cool for a few years and then Surprise! Surprise! Surprise! That hurricane has yanked the roof off your house and your car is in the canal.
More likely, it's to pay for all those lawsuits that will be coming. I'm so tired of the lawyers' commercials on tv. "in a wreck? need a check? call me Alabama!"
