If that covers the $400 I think you’r ahead.

Check out this site - https://theluxurypergola.com/blogs/louvered-roof-info/hurric...They cover wind resistant pergolas in general but I would make sure whatever you get will be able to stand up to hurricanes that happen there from time to time.

What surprised me is that USAA covered all of those houses.  

The HOA covers all the exterior.What was the outcome?

Maybe put it on the roof in a cage?

For example do you have a great w2 and can you afford to cover costs of a major repair or 3 months of vacancy?

All situations are specific to individuals.Our best wishes and empathy go out to those LA individuals and communities.It’s been about 6 years since one of our storage locations was flooded for about 4 months.  2 feet over the roof.  

Each of the 5 warehouses on this campus will require updates (construction of offices/bathrooms, roof repairs, paint, siding repairs, new penetrations for doors, updates to electrical, insulation, and extension of water and sewer). 

I THINK you could probably just expense your deductible if insurance didn’t cover 100%.

I still have a roof.