I think earth quake insurance in the Bay area is fairly rare. 

So if you buy it to rent, then will you find someone who is working and able to pay monthly. this is a big problem in PR. as far as natural disasters, there are summer storms (hurricanes) and right now we are dealing with earth quakes in Southern PR near the Ponce area.

That said...go ahead and add the cost of a nice wrought iron fence and sliding gates on the front end.

Anecdotally I lived in one in Aptos and they hated me because of being "working class " when the loma prieta quake hit in '89 I ran around for 2 days safing off gas and electrical.While they cowered and cried.

@Ramon Flores The one thing that makes all lenders quake and quiver in their boots is borrower default.

We’ve practice this with several other of our multi family clients and found that the most important factor in the rehab that enabled us to up the rents was to install wrought iron fencing, security cameras, new parking lot and key card access.

In areas like CA there are alot of earth quakes.8.  

Trying to get someone out on Turkey Day would have cost you 3-4x as much and so I think it was reasonable to wait. 5 day turn around time with a weekend, holiday, and third party involved, not bad at all sir....3) Agree with previous post, will probably be outside of the scope.4) Unless there was an acute event which caused the leak, i.e. earth quake, flood, external damage, etc., my guess would be no.

The insurance is very low because we are outside of the need for earth quake insurance.

Currently looking for CARPENTERS, ELECTRICIANS, PLUMBERS, ROOFERS, DEMOLITION MEN, WROUGHT IRON WELDERS, TUCK POINTING / SIDING, PAINTERS, GRANITE, CONCRETE, IN GROUND POOL PERSON, CLEANING/DETAILING PERSON, ROOFERS (regular and wood) and possibly some others I'm missing.