LVP flooring is not waterproof or even very water resistant just so you know.

“Force Majeure” means: hurricanes, floods, extreme weather, earthquakes, fires, or other acts of God, unusual transportation delays, wars, insurrections, civil unrest, or acts of terrorism, governmental actions and mandates, government shut downs, epidemics, or pandemics, which, by exercise of reasonable diligent effort, the non-performing party is unable in whole or in part to prevent or overcome.

I get home back to MA/CT once every few years, was there last year, nice to visit, but I've had my share of cold weather, and prefer brighter days. 

This is because insurance proceeds are the path of least resistance in terms of collection (more on this below).

Buy places in nice areas because those also tend to weather downturns better. 

Although there is sometimes resistance, he rarely complains because he’s making so much money!

If your goal is to have properties in markets that have weather you like, that's awesome, but you don't have to START there. 

The elections are going to be pivotal, but the lid is off things are going to star trading under Q2, if they are not already, shortly and you'll have resistance until  folks see Q3 earnings.

If a policy excludes wind coverage (more common in places like Florida where insurance is severely strained by weather and other market conditions) then all wind related events are excluded.In those cases, it's sometimes possible to purchase a wind policy (usually covers wind & hail) which would provide tornado protection.

If they put up any sort of resistance, that could be a cue to start digging a little deeper and documenting a bit more thoroughly (hence the doorbell camera coverage tip I put first - installing the cameras right away and then having the new lease conversation with the tenants afterward is very easy to frame as "I'm just a new owner putting some TLC into the property and doing my due diligence on the leases/tenants"; talking to your residents first, finding out they have extra people living there who aren't on the lease, and then installing cameras around the property could set you up for a very adversarial relationship with your inherited tenants).