All I said was" consider". A friend of mine runs a large composite
method yard, and He told me about it. This info was offered as
something to be aware of not to start a **** fight. ...

My bad. I certainly don't mean to start a fight on this either. I
think your advice about checking with the insurer is good. I was just
trying to add some detail for the OP in case he wanted to "reason"
with his surveyor or insurance agent... No flame was intended and I'm
sorry to have offended you.

-- Tom.