Gomer,

I doubt most island businesses hurt would have the extended coverages you've mentioned due to high costs but this is a great post right up to the question/issue of fraud with reference to Mullet Bay. Theirs was not a matter of insurance fraud - I believe the resort you're thinking of was the Dawn Beach Resort. Supposedly, they (DB) paid their premiums to someone who enjoyed the money and never paid the bills. He took the money and ran. Mullet Bay Resort was more of a dispute between the family who owned the property and the individual unit owners and was ultimately settled many years later and hundreds of thousands of dollars in legal fees later. The unit owners did ultimately receive some of their moneys back but still took a heck of a hit on their dream properties. We almost purchased one of these units but decided on Towers timeshare instead. Thank heavens!! <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" />