Ixolib wrote:
Well, truth be known, if I were ever to erect a man-made structure THAT CLOSE to the water's edge, I believe I'd have to be expecting that kind of damage... And, unfortunately, because some (many) folks choose to do so, my insurance premiums surely aren't "declining..."
Oops, a little OT - sorry, off the soapbox now...
no, you have a VERY valid point.