Even if it is Florida, the restaurant should not have visible roaches. Yes, there are some outdoor roaches, but there are also plenty of restaurants here that have indoor roaches, the dirty, filthy kind. Regardless, once the roach had crawled onto your table, it was the manager's job to refund your dining credits, which he didn't do.
We went to a Mexican restaurant here in Clermont, and there were MOUSE DROPPINGS covering the window sill. Talk about ewwwww... We will not be returning there. I expect a certain level of at least superficial cleanliness, and bugs crawling over the table would not meet that standard.
What a pity this happened to you - I do think the manager should have refunded the table service credits.
Cheers!
Heather W