If you only insure the property to $150K (to cover just your investment) then in the case of a total loss the insurance company hands your a check for $150K and you have a destroyed house that you have to demo and hopefully donate to the city. 

. ✅ Low risk of a natural disaster: When a natural disaster hits a city, it destroys jobs, businesses, and homes.

My role is to figure out if they will pay on time without destroying the place.

I have a triplex that has a back parking lot and one of the tenants crashed into a support pillar hard enough to destroy it.

(never allow cats, they destroy properties). 

Other than intervene once when one of them practically destroyed a joist on the second floor, I had to keep my distance, and I did.

He didn't destroy it but I had to spend about $500 to clean the carpets and the house, cut the grass and misc small stuff. 

1i pass by this destroyed property few days ago, i went on a property shark and got owners names, but when i looked for their information i cant really find anything.. it says it was some court order, not sure where to look for it, Any ideas appreciated . thank you!

When Mayor Davis left, he (allegedly) destroyed the office.

For obvious reasons a crash is never good considering people lose jobs, houses, families are destroyed but for people in a position to capitalize its a great thing!