Your PM replaced the water heater because it was leaking.

For example, if the roof was "under insured", or if the ground moved below the roof support (I learned recently that  earth movement is not covered under some policies, such as those on the bluffs of Lake Michigan falling into the water).

All water, sewer, and electrical infrastructure is being replaced.

The yard looked like trash, plumbing stack leaks and multiple water heater leaks.

Unfortunately - my current lot for my primary is 1 acre and VERY sloped, and close to a water source (creek), so the county has not even allowed me to permit my downstairs finished basement without an extremely costly renovation to our septic (over $60,000, and that doesn't count demo'ing and replacing our driveway to get to the existing tank and leachfield), and even if I could permit it, it would essentially need to be a treehouse in the redwoods due to the slope (not a bad idea though, I would actually love a livable treehouse on this lot!

An auto body shop across the street that "stores" cars needing work there.Since abandoning the home, major landscaping would also be needed to clean up the walkway to the water.

Good question, they seem to be all over the place depending on the area and I am not an insurance specialist, I think typically 1.5-2x normal rates but I could be off by a bit i have been honing in on White Hawk if you know that development and its in the pines but it does have water system with hydrants but volunteer fire department ..

There are a lot of people in the city but I find other cities more warm for connections / networking.

Another interesting factor to California is global warming.

Thank you for the warm welcome!