Look at another insurance provider.
What company was this?
If you were in the North East I'd say go with Erie Insurance, but I don't think that they write in Florida.
I've heard very good things about Electric Insurance, a number of my friends have it.
I also simply do NOT understand the question about floor tile. In a floor tile, asbestos is encapsulated. The ONLY way it's going to be released is if you start grinding or sanding on it.
Non-friable asbestos --tiles, shingles, cement board -- can now be disposed of in your regular trash stream. It no longer needs to go to an asbestos handling facility.
"The gift which I am sending you is called a dog, and is in fact the most precious and valuable possession of mankind" -Theodorus Gaza
Baby Jesus cries when the fat redneck doesn't have military-grade firepower.