With the right tax strategy, you can maximize deductions and reduce liabilities, while having the right insurance and reserves in place will protect you from unexpected costs.By Implementing a quarterly financial review to assess performance and make adjustments to avoid cash shortfalls.

Make an insurance claim and buy all new stuff.

Insurance right now is wild, so I'd get a solid broker on your team - I'd be happy to share my contact if that would help.Also, aren't most of the existing insurances shared on the OMs for the properties? 

RM-4.5 zoning would allow for a higher unit count and could provide more flexibility for future development, regardless of ADU policy changes.One potential benefit of rezoning before any citywide expansion is that it might allow you to lock in additional density rights ahead of any potential restrictions or revisions the city could impose when expanding the program.

Ensure your projected cash flow covers expenses, including higher insurance and management fees.If you have anymore questions, shoot me a DM or email!

If a person has RCV or ACV policy makes a huge difference, than question of what coverage level people had and if they had policy add-on's that cover cost over-runs and all that fun stuff, not to mention contents. 

Here are some warning signs I’ve come across, but I’d love to hear your experiences:1️⃣ Upfront Fees – Are application, due diligence, or "insurance" fees ever legitimate?

Have you added your home to any of the insurance databases for consideration to help displaced homeowners get temporary housing?

You might have other options to explore to drum up liquidity (HELOC, Margin Loan, Policy Loan, etc) that can supplement your HYSA in the DP.

Utilize any hospitals and insurance companies that are willing to take your call.