I just saw a story where it has been determined that leprosy is endemic to parts of Florida.  This was a surprise to me because I thought only imbecility was a problem there.  Both problems will probably go away after the peninsula is permanently flooded.  For now, however, the issue is the amount of your client's 2022 casualty loss.  

It is not the insurance company who determines that.  The loss is the decrease in value from before to after the storm.  A property that cannot be insured is worth less than one that can be.  The hurricane taught residents that better roofs are needed to maintain the value of their home.  I agree, it's a stretch, but I would have to think about it from the perspective of "let's not try to find a reason to get to NO."  Which you usually don't find on this forum.