In Austin, we have areas where there is alot of clay which is expands and contracts depending upon the weather (rain or sun mostly) as weird as that sounds.

I researched online, it seems like most judgement will be granted in favor of landlord during the second trial (if provide all evidence such as our case).

Ordinary homeowners insurance covers that, as well as damage caused when rain gets into the house from the wind damage.  

One of my single family in Euclid had a problem with raw sewage during heavy rains mixing with the rain water and filling the basement with over 12 inches of that disgusting stuff. 

It will color your judgement.  

Call the police and report the theft.If you are able to take the tenant to court (small claims if under the limit in the jurisdiction) and obtain a judgement, then you can seek a garnishment of wages.

It really is a daily occurrence in the fall and it rains pretty frequently.  

Currently there is no blockage but when it rains there is almost flooding every time.

Not to rain on your parade, just giving you my personal experience.  

The lender can sell the property for whatever someone is willing to pay at this point - and keep all the funds even if the price received is substantially in excess of the amount owed.If the lender suffers a loss on this resale, the lender get file for a deficiency judgement against the borrower personally (he has signed a personal loan guarantee).