The questions on hardwood removal are really just because I'm curious, I'm not doing it myself.
Sean (Sean H on this board) has been absolutely terrific to work with over the last seven months. He's been very patient and answered all my questions, provided advice (along with everyone on this board), and provided me countless different proposals everytime I had to give something new to either the homeowners association or the insurance company.
Long story short, my homeowners policy would not cover the damage, the associations policy would not cover the damage, and we have no recourse with the builder because everything is within Tampa building codes. I did manage to have the association pay for labor and disposal costs for the tear out of the existing floor, and pay for the entire sub floor and materials (plywood and Bostiks).
I've gotten several different answers from the builder about how they installed the floors. The last I heard they only used roofing felt under the 3/4" solid, and not the tarpaper they had originally told me. At this point it doesn't really matter, but we will eventually find out once the old floor is torn up.
We have worked with both an architect and waterproofing company to come up with solutions to the problem. At this time it looks like we are going with completely waterproofing the underside of the homes and adding high powered exhaust fans to get rid of any moisture that might build up.
I have chosen to go with Mirage Engineered, using Bostik's MVP as a sealer and Best as an adhesive. I was planning on posting later after the floor is installed, with before and after pics.