Oh well, if my number comes up so be it...
A similar philosophy to the one we have here in Cairns. When we built the place the requirement was to build to withstand a Cat4 cyclone, we built to survive greater than Cat5 and as a "worst case" fallback the downstairs laundry walls have additional reinforcing so that it shoud survive even if the house is destroyed around it.
But, it's a pole home, nearly all of the 50 odd poles on which it stands are bolted to concrete bond beams 4 metres below ground level. The major roof bearing breams are thru-bolted to the floor joists, which in turn are bolted to the poles.
As I explained to the insurance assessor who visited in response to my objection to the absurd premium they thought we should pay - if Cairns has a storm hit that is severe enough to blow this place away, you do not have an insurance problem - the State and Federal Governments have a refugee problem.
That insurance company declined to behave reasonably, but the next one did and got the business - we pay about $2,500 per year and not the $8,000 the first insurer wanted.
