Jordan, it was easy to prior to the market collapse in 2008.

They are concerned that if the house is surrounded by water that the pressure won't be able to equalize and will collapse the house. 

Trying to save it from a collapse now is too little too late.

Once you lock, the rate is frozen based on that day's rates.The good news is the market has dropped drastically in that last 48 hours due to several banks collapsing, so if you haven't locked in your rate already, this week would be a really good time to do that. 

With SVB collapse, crypto scams, wars over seas, the apocalypse, ect... whats everything their next move will be?

In light of recent events such as Silicon Valley Bank's collapse, some economists are now calling for the U.S.

The collapsed sewer line, the damaged subfloor and electrical issues are all major. 

Hyperinflation becomes a word the Fed Chair starts calmly mentioning, and within minutes the DOW is stopped 4 times from it's free fall before closing early to stop the complete collapse. 

If there is enough water, it causes my ceiling to collapse.  

Not sure if you recall the condo collapsing in Miami, but that's why the code compliance rules exist.