Like Donald Trump would say if its not an earthquake than everything is just a blip 😎

In your case, since you are in Oakland, it is more complicated as you need to consider the safety of the structure & materials due to the Bay Area being prone to earthquakes.

While you are having the issues checked out by a structural engineer ask them to check that you have the earth quake seismic in place.  

or like my San Francisco clients whose 4 plex's in PHX AZ went hundred % vacant and stayed that way and they lost them.. and for sure they had max debt on everything.. that forced them to sell what I sold them in PDX that was still performing and they still walked from PHX and lost those buildings and it was a lot of buildings.. and again I am not saying we are going to see that play again.. but it happened.Just like when I was Hardmoney lending in SF.. back in 1990 post earth quake and the war and the deep recession SF went into  it was pre tech..

Or, a charging order may be granted.If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

@Kalanie Tran  Pulaski is not to bad... we do get natural disaster cover as part of the policy but its not prone for Tornado or Earthquakes.

.- Money & SecuritiesThere are other coverage items that may be recommended depending on the property:- earthquake.- Water Backup.- Loss Assessment if it is a condo unit or part of HOA.- Ordinance & Law if the building laws would require rebuilding with different methods      that may cost more.- EDP / Computer coverage / Cyber LiabiltiyThe Umbrella policy is designed to give additional liability coverage that kicks in when the limits of the underlying policy(ies) are exhausted.

The FAIR Plan is typically considered a last resort for homeowners and property owners who are struggling to secure coverage because their properties are located in areas prone to natural disasters, such as wildfires, earthquakes, hurricanes, or other catastrophic events.Here are some key characteristics and features of the FAIR Plan:1.

Everything from unexpected maintenance issues to concerns over things like earthquakes, insurance, and encountering litigious tenants in the future. 

A few places this originates from:Albania, Barbados, Burkina Faso, Cayman Islands, Democratic Republic ofCongo, Gibraltar, Haiti, Jamaica, Jordan, Mali, Mozambique, Panama, Philippines, Senegal,South Sudan, Syria, Tanzania, Turkiye, Uganda, United Arab Emirates and Yemen