I HAVE A GOOD IDEA, WHEN AND IF THE OP SELLS HIS HOME WOULD HE PLEASE
REPORT BACK HERE WITH THE OUTCOME?

MY INSURANCE AGENT SAID homeowners used to be a cash cow, but after
the major hurricane losses the underwriters started looking closely to
minimize all future losses.

so 5 years ago K&T may have been no problem but today its a
showstopper.

or may raise insurance premiums a LOT.......