Statistically, I would bet that many of these properties could be at risk from a similar event before the reconstruction could even be completed.What is the new premium on a $5-10-20M insurance policy and how could it ever be recuperated during the life of the policy or length of the average 30 year loan? 

Someone's home is one of the BIGGEST and MOST IMPORTANT things in their life!

SIGNED STATEMENT OF INSURED AS REQUIRED BY SECTION 3905.33 OF THE OHIOREVISED CODEThe named insured ___________, acknowledges that the insurance policy (other than life insurance) as described above is to be placed with an insurance company not authorized to do business in Ohio.The insured understands that the insurance company is not a member of the Ohio Insurance Guaranty Association and that Chapter 3955. of the Ohio Revised Code is not applicable to claimants or insureds of said insurance company.

I know many of us didn't get into this game until later in life so my hat's off to you.

Beyond property owner losses are retailers, grocery workers, dog walkers and all walks of life whom’s livelihood was interrupted.

Lives and life savings have been stolen.  

Always be cautious of what you charge on things like paint, flooring etc.. most judges will use life expectancy and divide out a pro rated amount you could charge the tenant for excessive damage and not normal wear and tear 

I think demand will continue to grow as the area settles into its next life as more of a year round destination.  

Imagine what your life would look like if you had held onto all that real estate from 20-30 years ago.

The real life experience is the best option for learning and gaining the knowledge you need.