But I'm wondering whether this should be a wake-up call to get flood insurance on my properties going forward.

@Bill Gulley I think I'm going to have to parse your latest comment further when I'm a little more awake tomorrow, but I think I got the gist.

None now...Good thing are happening when I am awake though, rented 1 house last month and 2 apartments last week.  2 houses I am screening scammers, oh, taking applications and 2 apartments should be ready to rent in a week or two.  

I would use this incident as a wake up call to your personal security and make some changes.If someone is late with rent after only five months, that is a huge red flag.

He answers it like I answer mine, any time of day if I am awake. 

I'm not awake enough to crunch your numbers for you.

So, this is like a super novel written only give me something to keep me awake.

I rented a 10x12 room, in an apartment, living as a family and scared to come out to use the restroom while the owner was up/awake.

When you add together what I outlined, it's a wake up call for those who either a.

I've found some Mexican and Asian kids that are still alive and awake to the possibilities, but the rest of them -- dead from the neck up.