I've got a bell on my handlebars for that.
nulluser
Also, the paper casually mentions how rooftop solar reduces the cooling load of the building. What I didn't see acknowledged was that that extra cooling load (presumably traditional A/C) on a building without rooftop solar moves the heat out of the building into... (drum roll), the surrounding environment. So... the heat still got to the surrounding environment, it just took a longer path to get there.
That seems like a perfectly reasonable place to build that's not obviously at threat from hurricanes. But sometimes shit happens that couldn't be easily foreseen, and THAT'S what insurance is for.
My point, however, is that insurance is NOT to make other policy holders foot the expense of someone repeatedly repairing/rebuilding after completely foreseeable/inevitable events.
To anyone that insists on having a house right on the beach on the Gulf Coast, I say, "Insure thy self."
That means you're waiting to use the bell until you're right behind people. That's missing the point of the bell entirely. You're just grasping for excuses to have music regardless of how rude it is to other people on the trail.