My panels were not anchored, they were propped up to face the south. I had this arrangement for years with no complaints from the city, landlord ot neighbors. I have had several people, including a city gas dept employee remark that they thought it was neat that I had set up panels like that.
Insurance is not a local product. You cannot buy or sell house here when there is a named storm in the Atlantic or Gulf of Mexico. No company will create the new policy under those conditions to allow the transfer of title. I know someone who got a policy from Lloyds of London because they had to sell and could not wait until the hurricane season was over.
Insurance is not comprehensive either. There are separate policies for wind, fire, liability and flood. If you live in a decent city, fire insurance is cheap and easy. Here in Sunrise a policy for a home in my neighborhood is about $250 a year. Flood insurance is not available unless the Federal government is willing to "reinsure" the insurers. If you live near the coast you better get a federal flood policy. Storm surge during a hurricane is not covered by the wind policy even though it was the wind that caused the storm surge.
The Army Corps of Engineers (the guys who designed and run the pumps that keep New Orleans dry) also have resposibility for flood control in south Florida. The middle of the state is a 750 sq mile shallow lake. In a hurricane you could be 15 miles inland and still get very wet. Hurricane Irene was only a weak cat 1, but it dumped more than 14 inches or rain over 3 days and there was simply no where to put it. The USACE could do nothing but watch. Lake Okeechobee has an earth and rock levee on the southern rim. It it being rebuilt as I type this. If that levee ever failed, people west of US 27 would drown in a wall of slow moving water that wouldn't be more than about 4 to 6 feet high. On the other hand, if the ACE doesn't keep the water high enough and it doesn't rain for a while, cities would have to shut down potable water wells. And if the Everglades goes dry it will burn and so will the underlying muck. That muck has high levels of arsenic.
Because the wind policy is separate from the rest and it is required for most homeowners (few people here own their homes outright) there is a state insurance pool of last resort for people who cannot get a wind policy from anywhere else. A policy in that pool may cost $4k a year. The state pool of last resort "Citizens Insurance" is not actually solvent. If Florida ever got wiped by a cat 5, there would not be enough money to rebuild.
I don't own the place I live and have very low rent and utilities. Water, sewer, garbage and gas are covered in my rent and my electric even without the panels will be less than $15 a month. I'm not happy about losing my panels, but it isn't something I'm prepared to go to war over. The company I work for just moved and split up. I had a 20 minute drive to work become an hour drive home each day.
We are in 2 buildings now and the closer one still takes twice the time to drive even though it the same distance as the original building. My van broke down just before the move and I was forced to scramble to find another ride. The replacement is a Corolla that gets double the mileage of the van, so my gas expenses dropped. I miss the van, though. I can't haul stuff in a Corolla.