Originally Posted by
wrench1
Easy because they do that now. You could build the safest, most storm proof structure and the insurance is under no obligation to reduce your rate. So why spend extra money on a super structure that you'll never recoup and still pay the same insurance premiums to cover that structure? Matter of fact they would probably up your rate since the cost to repair or replace that super structure cost a lot more. But thats provided the insurance would even write you a policy. If everyone started to built brick-sheet houses they would assume there was a known reason and probably leave the area like they've done in a number of hurricane prone states.
Easy - if you are unfortunate enough to get hit by whatever tornado/hurricane etc and your property survives intact when all around is debris - yours still being intact and surviving is something of a win and you don't have to jump through the insurers hoops when making a claim as they try to find any possible loophole to avoid paying out. Witness the brick built houses still standing after the LA fires when everyone else lost everything.