As result of attempting to sell my unit in Doral, FL, I've found out that there is a gap between the policy of most of the lenders to ask for the ordinance and law enforcement insurance (OLE) and the Florida condo guidelines that demand quite light insurance requirements. According to Florida laws rebuilding must be done according to the current code. Obviously at this moment there is inconsistency between the rebuilt statutes and FL condo guidelines 718. Since ordinance and law enforcement insurance seems to be quite costly, most of HOA don't have it, and the HOA Boards justify their decisions hiding behind FL condo guidelines, leaving all condo owners fully exposed to the catastrophic risk of not being able to rebuilt in case of extensive damage caused by risks as fire, hurricane, etc. Are there any HOA's or owners looking into this risk exposure?