When I was living in Florida, I was always amazed that houses went up so fast and were supposedly up to hurricane code, making them safer and such during those times of inclement weather.
Then I started looking at buying a house, and found out that most insurers won't write up a policy for a house older than a few years old (I forget what the average was - like 10 years maybe).
Then living in Florida for about 4 years, and dealing with several hurricanes, I realized that the houses that were generally 30 years old or older (like 100 years and whatnot) generally - and obviously - had a better chance of standing up to a hurricane than these newer supposedly built to higher code standards houses. Just driving around after a hurricane this was most evident, as new developments were leveled while these wonderful old houses still stood perfectly intact.
It got me to questioning WHY insurers are so unwilling to cover old houses out there. I mean seriously - the house has a much MUCH better track record than new construction.
It also begs the question - why is it that we can't build houses with our modern technology that are actually superior to their older counterparts? It's it all about planned obsolescence, or just poor construction and making a buck?
Then I started looking at buying a house, and found out that most insurers won't write up a policy for a house older than a few years old (I forget what the average was - like 10 years maybe).
Then living in Florida for about 4 years, and dealing with several hurricanes, I realized that the houses that were generally 30 years old or older (like 100 years and whatnot) generally - and obviously - had a better chance of standing up to a hurricane than these newer supposedly built to higher code standards houses. Just driving around after a hurricane this was most evident, as new developments were leveled while these wonderful old houses still stood perfectly intact.
It got me to questioning WHY insurers are so unwilling to cover old houses out there. I mean seriously - the house has a much MUCH better track record than new construction.
It also begs the question - why is it that we can't build houses with our modern technology that are actually superior to their older counterparts? It's it all about planned obsolescence, or just poor construction and making a buck?
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