I think their best is excellent. I only use Caye Caulker guys.
I want to live in a beautiful hardwood house. As to insurance - most people have none and are glad. Almost every wooden house that you see on Caye Caulker has survived at least one major hurricane. Part of my house has been in three.
There are logical houses (concrete and barred windows built close to the ground)and there is my house(45 ft mahogany tower,5 decks, four small rooms open and airy.)I will live in a concrete building only if heavily armed men insist