> Florida and Texas are the same: insurers don't price in hurricane or hail proofing, anti-flooding measures, etc. Hail resistant and wind resistant roofs exist

> Florida and Texas are the same: insurers don't price in hurricane or hail proofing, anti-flooding measures, etc. Hail resistant and wind resistant roofs exist but they'd rather just stop writing policies. This is not true. You get significant policy discounts by upgrading older homes such as strengthening the roof connection to walls, impact rated doors/glass, roof age (and type). These discounts can reduce annual premiums by a non trivial amount - first hand knowledge of 30%. Since Andrew the Miami-Dade building codes have set a new standard for construction and this is reflected in policy pricing.