I skimmed over a lot of that article Bill, but got the gist of it. We rent but it's down to the homeowner to insure the building, we insure the contents because they belong to us.
Towards the end of the article I saw mention the way the people now want their homes built with windows on the street side. Over this side of the pond that is the normal way of building, the living faces the front, or road, and the bedrooms are towards the back away from traffic noise.
That's one of the problems here, because they were only built as holiday lets it didn't matter about having a view but how many dwellings they could get on the plot. Mine and my neighbours property are built sideways on so the gable end faces the road and the other gable end has the kitchen door set in it. You don't see what's going on, one side has windows that look out onto the shared drive and the other side has the door which would have been the front door and the windows that side look onto the back gardens of the neighbours.
What happened with your family Bill, did they manage to go back and live in the area?