[the_sleaze_]

> a surge in self insurance

What is this? Would this just be "putting a little to the side each month" to cover your 12 million dollar loss to Hurricane Micheala ?

[asdff]

It could be as simple as that or something with more structure as well. It won't be a 12 million loss because you own the land already. You are just paying for construction which is a fraction of that value.