The question about insurance: Since I am the owner of the cabanas that burnt down, I thought I should respond to these questions. We tried to get insurance but it is difficult because of the wooden structures. If it is concrete, do I really need to insure. We are still seeking insurance, mainly for liability issues and not property if you have any suggestions. Since I own the property outright ( ie no mortgage) I am self insured. We will rebuild once we have new designs drawn up and the season is over so we don't disturb guests. We still have rooms available that we just renovated, we just have 4 rooms less. While it is a tragedy and there are lots of unanswered questions about cause and response, it is done and we are moving on.