Very common to have structural issues caused by soil movement. 

This will definitely cause disruption in the mortgage markets and provide opportunities for those who keep a patient watch on activities. 

Technically, Conventional allows 15% down but you end up incurring a hefty hit to your rate/points options when you put down less than 20%, which makes causes most people opt to put 20% down.

Jetting and cutting usually works best on conjunction with removing the tree/trees causing the problem, which is not always possible depending on location. 

Don't say: it never happens, or it will never happen to me cause I have strategies around it!

is it cause insurance and the rates?

Poor rental payment history is a common cause for non renewal. 

You need to have sources (agents, wholesalers, GCs) that bring you opportunity that they have mined and they are bringing it to you cause they know you buy.To the vendors of the industry: Agents, Wholesalers, GCs, PMs, what have you...you are nothing until you buy something, until then you are window shopping. 

Once renewal period comes up (if they've been paying on time and causing no trouble) you can decide if you want to keep them or move on. 

This has caused me to have trouble with getting approved for loans/mortgages due to my work gap.