Also, my guests always love my little goodie basket of snacks and a few bottles of water. 

If they can't do that, keep shopping.This may require digging up the foundation, sealing it from the outside, and installing a french drain to keep water away from the walls.

When a water heater breaks at 9pm on a Sunday I get an email saying it happened, it’s been fixed and it cost $1200 give or take.

In Reno and metro areas, insurance companies primarily focus on roofs, the age of the building, wiring updates, and water pipes, as mentioned @Cameron Moore.

When the plumber removed the cleanout cap, water started coming out.

The zoning changes will make California a hot real estate market.

Appears the guests may have left the faucet "on" when the pipes were frozen and when no water came out, forgot to turn it "off".What may have caused the overflow of the sink is maybe the drain lines were also frozen?

Quote from @Vince Scipione: In my professional oppinion I feel as though the influx of agents joining the field since covid significantly watered down the quality in the industry.

Usually this is from poor drainage and accumulation of the water that tends to be absorbed by the soild near the foundation.

We have had many water leaks that have damaged the flooring.