The shuffleboard court, palm trees, pipe, rebar, concrete and other debris now rest on the sand below the Hawaiian Inn hotel in Daytona Beach Shores after Nicole landed in the area causing major destruction in Daytona Beach this month. [ WILLIE J. ALLEN JR | Orlando Sentinel ]

Build on the beach, and you should be on your own | Letters

Build there, and you’re on your own

To ease property insurance woes, Florida governments should buy damaged beachfront property | Column, Nov. 28

Columnist Robert Sanchez’s proposal is one worth considering, but to be truly effective, the expense of buying out property owners would be enormous. If people insist on building and rebuilding on vulnerable (coastal) properties, perhaps they should be denied property hazard insurance of any kind. In other words, they would have to be self-insured. Additionally, they would be required to put up an escrow account that would cover the cost of cleaning up the debris if their structure did not survive a natural disaster. Yes, they would still be required to pay property taxes and, no, they can’t “own” the beach. No matter what impact this would have on insurance rates and property values, I think the number structures on the beaches and barrier islands would drop dramatically. As things are, I think that Florida is rapidly becoming uninsurable anyway.

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