While I'm still sorry about your tragedy and don't want to add to your pain, I'm confused about your answer.

I understand that it is hard to get insurance in Belize on a wooden structure, but I thought that related to Hurricane insurance. Are you saying that it is also hard to get insured on a wooden building even for fire and other perils? If so, therein lies many a tragedy to come.

A fish and a bird can fall in love, but where will they build their nest?