It always boils down to the main part of the home, and what type of soil was it built on.I have seen 150 year old homes that were in perfect condition and well maintained, these homes usually sat on elevated grounds with good drainage (which limits the movement of the foundation).When a house is built on flat ground and or where clay is present.

Landglide-LandGlide lets you view maps, with real estate boundaries overlaid, on your Apple iPhone or iPad, or Android phone or tablet.

Hey @Clay Wildt tell us a bit more about the property and who you have tried to gets quotes with thus far.You may be just going to carriers that do not specialize in covering rental properties.

Some neighborhoods are built on sand, clay, or rock, but sometimes over or around old landfills. 

I agree with @Dan Barli and suggest if you're in Ocala, go to the Marion County REIA meeting on Tuesday May 14th - its at a hotel. 3712 SW 38th Ave, Ocala, FL 344746:00 pm To 8:00 pmThe topic is "Making Money on Our Investments Tax-Free"I am happy to try to help with any Ocala questions, or the realtor I use to find and manage properties is Clay at Resolute at  www.rpm-fl.com  - Tell him I sent you.

There are a nimber of good agents on here (@Michael Clay for starters) and a buddy of mine is too.

Older homes may have clay or cast iron...might not need to be done right away but great leverage point.Trees ...have someone come out for estimate to trim the trees.

.- we typically use the same paint "White Clay" in eggshell from Behr, not available anymore but Sherwin Williams custom mixes it for us.

In the Houston area we have thick clay soil which expands and contracts due to weather cycles.As far as Mother Nature - well, at least we get several days notice for Hurricanes on the coastal areas.  

While the quality of these flappers has improved over time, people will toss those bleach tablets into the tank which really chew them up.