Say, chimney collapses and crushes your automobile.You'd kinda want to have insurance under those situations, I'd expect, and their probability is much greater I think. 

People used to sell you gold as the answer to when “civilization/governments collapse”.  

A partially collapsed sewer for instance ( had one of these) so you have to be ready for something to go wrong that stops cash flow and is expensive. 

The back porch seems to be collapsing as well.

As such, if an agent or seller is unsure if the property is located in a specific hazard zone and a map is not clear enough to determine whether the property is or is not in a zone, it’s wise to simply mark “YES” on the disclosure statement when asked about that zone.Seems to me that there's significant risk on both sides:1) If the agent marks "NO" (as in the property does not fall within any of the listed hazard zones) when a "YES" would be more appropriate, the transaction could be cancelled by the buyer.2) If the agent marks "YES" when a "NO" may be more appropriate, the buyer may be needlessly scared away and the deal could collapse for no reason.Is the above correct?

Based on the above, it seems like the inspection process is both time-consuming to do manually for each of the agent's listed properties, and super-important for the agent to perform correctly from a liability standpoint:a) If the agent marks "NO" (as in the property does not fall within any of the listed hazard zones) when a "YES" would be more appropriate, the transaction could be cancelled by the buyer due to mis-representation of the property.b) If the agent marks "YES" when a "NO" may be more appropriate, the buyer may be needlessly scared away and the deal could collapse for no reason.I'd love the opinions of any real estate agents in this forum on this topic: 1) How much time do you spend on these disclosures for a single transaction, in terms of both due diligence/research/looking up records and also filling out the required disclosure forms?

Regrettably, everywhere has natural disasters, earthquake, wild fire, flood, hurricane, snow collapse.  

Until the authors of the last 200,000 wrong articles about the impending collapses apologize to and reimburse everyone who believed them. 

The last time we had an unemployment rate as high as that was the recession of the early 1980s, and the last time we had an equities and housing collapse as bad as that was the great depression.

I suppose there are many possibilities but right now I still haven't done anything except waiting for the next collapse...One thing is that we don't have "green-cards" yet, so we cannot buy co-ops.