This caused about fifteen thousand dollars of damage to the kitchen area but with the exception of the kitchen area the apartment is still livable.

As far as damage, the expense happened after they filed bankruptcy.

There's been a lot of commercial development (new chain restaurants and strip mall improvements), but it still has some rough blocks.

This laminate is pretty easy to change out a few boards when someone moves and there are damaged areas.

Dad is still considering going after squatter in small claims for back rent, back utilities, damage to home, etc.

Lots of pest proofing on the exterior.The biggest project was all the ceiling and wall repair required - had to demo one ceiling where the joists were split - only 2x4s plus water damage caused a major sag.

Had hail damage and the insurance company only gave me $2500 and did a non-renewal, but the good news is that soon that one will have a new roof. 

Our property is on Elk trail between Pueblo trail and Onaga trail, around the block from Yucca Valley elementary school.

Almost impossible to follow the law and the damages are extreme if it ever goes that far.You might want to check it out in your state.The basic issue was in the old days before this law change, standard was $5000-$10,000 down for $100,000-$150,000 house. 

Additionally, flood insurance is commonly available and ensures that for an extra few hundred bucks a year, you're covered both for damage and loss of use (i.e. missed rents).