provided free temporary mobile homes for 3,501 families and financial assistance to more than 40,000 other families for staying in hotel rooms, paying rent, and repairing homes. Nearly two years after Andrew, about 70% of homes in Homestead that were damaged or destroyed were repaired or rebuilt. Additionally, of the homes destroyed or severely damaged throughout Dade County, 36,000 had been restored by July 1994. More than 930,000 policyholders in South Florida lost coverage after 11 insurance companies went bankrupt, caused by more than 600,000 insurance claims filed. This led the Florida Legislature to create new entities, such as the Joint Underwriting Association, the Florida Windstorm Underwriting Association, and the Florida Hurricane Catastrophe Fund, in an effort to restore adequate insurance capacity. Stricter building codes were created in Florida in the aftermath of Hurricane Andrew. A survey by Tim Marshall and Richard Herzog of the Haag Engineer Company in Carrollton, Texas, highlighted several construction issues. On the roof of some homes, the concrete tiles were glued to felt paper, which could easily be ripped by straight line winds. At houses with shingled roofs, it was found that some of the shingles were stapled perpendicular to the long axis, also allowing them to be torn away. After the tiles or shingles were peeled off, the plywood and prefabricated trusses were exposed to the weather. Eventually, the plywood and the trusses suffered structural failure, leading to roof collapses. In July 1996, Governor Chiles established the Florida Building Codes Study Commission, with the purpose of assessing the building codes at the time, as well as enacting improvements and reform to the system. The commission study indicated that building codes and regulations were developed, amended, and administered by over 400 local jurisdictions and state agencies. The Florida Building Code was established in 1998 and put into effect by 2002. It phased out local laws and regulations and replaced them with universal statewide building codes. After hurricanes Charley, Frances, Ivan, and Jeanne in 2004, a study conducted by the University of Florida in the following year noted that "Homes built under the new Florida Building Code that became effective in 2002 sustained less damage on average than those built between 1994 and 2001." A report by the Florida Legislature in 2006 after hurricanes Dennis, Katrina, and Wilma in 2005 came to a similar conclusion, indicating that "they added further evidence that the Florida Building Code