Yes, the insured who suffers a direct hit and receives payment via a claim will likely see a more significant impact to their premium, but to keep from drastically increasing the premiums of those insureds, they're rather spread minimal increases among many insureds.  

And some GC that have no clue, but preying on the poor people suffering after Hurricane. 

I've suffered from depression, low self confidence and substance abuse (marijuana) problems... even recently.

I think it's important, because it's one of the only ways we have to hold a tenant accountable for unpaid rent, and that way when another landlord (Hopefully) runs their report it will pop up and hopefully save that landlord from suffering the same outcome.   

If you don't, your returns will suffer. 

Custom built on ply is better, but still suffers over time.

I look at April/May 2022 as the peak and kind of think we're at the bottom now unless things change and rates go up again Think Q4 '22 may be the real bottom.Question is if things suffer, really suffer, that rate will pivot fast and hard.

But even for the folks that were in REITs before the rate hikes and suffered big declines in value, their dividend payouts have been largely unaffected. 

If it's anything major, that needs to go to a GC, I got bids as necessary and budgeted 110% of the bid, if the property was suffering from deferred maintenance or was an older property, I would budget 120% of the bids.If it is minor and done by my worker, I budgeted 120% of my estimate.Budget means that I intend to set aside that amount for the property or expect that amount.I also look at the high side initially,considering retail prices for materials for example, knowing that I get them 10 to 25% cheaper, depending on what will be needed.Estimate high, smile later.

If one of your 4plex tenants leaves, only 25% of your income suffers.