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My family has a beach house in NC- built when my dad was a boy, so 1940's. Originally 1 story, cinder-block exterior, built on a slab. In 1984 they poured a new footer to support a brick face for the first floor, and added a second floor with a brick exterior.
This house has withstood countless hurricanes with minimal damage. No shutters, no boards, just bring in the porch chairs, and take down the flag. We've lost a few shingles over the years, and found some sand on the windowsills, but that's it.
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