Friends who rode out Andrew's eyewall, and didn't know each other, described failure of terra cotta tile roofs "bedded" in mortar pretty uniformly in words like this:
>>> The wind was howling and pushing in the garage door (horizontal deflection reported as approximately two feet in the middle of a double-wide door). The door was holding until the neighbor's roof landed against it. The entire roof, all at once. Every damn tile. Then the door caved in, and immediately, all the windows on the opposite side of the house blew out. And our roof exploded and landed on the next house. <<<
I was nailing tarpaper on salvageable roofs for two weeks afterward, and got to walk and drive through many affected neighborhoods. There was plenty of broken mortar on the streets and yards to go with the broken tile. There wasn't a single piece of roofing bigger than a silver dollar anywhere.
[ No, check that. The perforated amber plastic strips that are supposed to keep asphalt shingles separated in the bundle but allow bitumen to bleed through in the sun and adhere the shingle tabs were intact and blowing everywhere. I found no evidence that even a microliter of bitumen had ever bled through the perforations. But that's a different rant. ]
Given the reported violence with which entire roofs of tile were launched and landed on adjacent structures, I'd have to assert that even properly "mudded" tile roofs might succumb to a "zipper" failure across a neighborhood.
But I can't support an assertion of uniformly poor installation in neighborhood after neighborhood of houses erected by different builders at different times over tens of square miles.
All of that is, of course, inexpert opinion and hearsay.
My inexpert opinion also supports your argument. The very idea that something as brittle as mortar could be an effective adhesive for bonding tile to something as flexible as a wood framed roof structure, even a trussed one, is just, well, silly.
Mike Halloran
Pembroke Pines, FL, USA