Doesn't post-Andrew code mandate shutters for all windows? That's what we were told. Also, post-Andrew code wasn't enforced for anything permitted before 2002, so if they did build to that code, they did it voluntarily. Our house was built pre-Andrew, so I'm not sure if the code allows hurricaine glass as opposed to shutters. I had heard that the update to the code requires shutters though.
I agree that tile roofs failed like crazy last year. I still think it's nutty when I see entire developments being built with tile roofs here

However, I don't know of too many metal roofs that failed. If they did, it was likely because the windows were breached and the entire roof came off. Asphalt shingles are just asking for trouble/water damage in this area. We are still debating selling our Vero points because we just didn't like what we saw. The resort is beautiful, though.