Just a word of advice from a 'gray-haired-old-fart:' don't ever just "shrug" when it comes to federal law. It only takes one tornado to ruin your life. Now, tornados may be random events, but that doesn't mean one won't hit you before dinner tonight (or maybe even before lunch - especially if you post a 'want ad' on the internet). Buy the right kind of insurance (can you say, 'extra compliance parts?'), and build a storm cellar (AKA, 'know the law, and keep your receipts & other records'). Take a few simple, inexpensive steps upfront, to make sure you-and-yours do NOT get hurt.
IMHO, if you don't, you're a freaking idiot. You're risking a lot of pain for your family, for no good reason.
Just my opinion (if you disagree, feel free to go 'knock yourself out')...
Edited by Bad Bob, 01 March 2007 - 06:01 PM.