pmlljl, The bear and I, once we take control of ANAT and its temporary beach-home-flotilla headquarters, plan to cut costs by not reopening the land-based Galveston HQ and making the flotilla headquarters permanent. That way, we can paddle from one nautical disaster where we are exposed to any other to be on-site and responsive to any of our newly-homeless policyholders strong enough to swim out to us in international waters, where we will suffer less regulation.
We will still be pillars of the Galveston insurance scene--only it will be earthquakes against which we will insure Galvestonianites, not hurricanes! (As I already mentioned, it will be Las Vegas homeowners to whom we will offer hurricane insurance.)
Would you be interested in one of our new Southern Calif. policies insuring against roof collapse in the event of a summer blizzard?