These include accidents (I recently had 2 units destroyed by fire), natural disasters (I have had two units each hit by 2 hurricanes), property management turn over (they sell or stop being as good, I have experienced both), or turn over of team (I am turning over at handyman and I suspect plumber), or just wear n tear of property (slab leak in poor location, sewer pipes rotted out (one unit this month), roof, foundation issue, etc.).  

When my contractor went without me they kept him waiting over 2 hours then told him something completely inaccurate and they take no accountability for how they can literally destroy peoples lives and finances.

Otherwise, if something horrible does happen, you just opened up a huge lawsuit that could destroy your life!

Lowering the prices are a good way to get a few folks but don't go crazy so you don't get the dregs who can destroy your place.Now, listing on Furnished Finder.

The sidewalks were destroyed and the walk way concrete was off set.

Quote from @Mary Jo Carruthers: I have seen houses where folks did it anyways without the permit but that is really value destroying as it will make it very unlikely to sell for top dollar with that layout. 

Some lenders may also want to see law and ordinance coverage in your insurance and perhaps a rebuild letter from the city stating that the property could be rebuilt as a residential 4plex if destroyed. 

I understand this is my responsibility and I filed an insurance claim and the garage is currently being rebuilt as the entire thing was destroyed.

After the fire in 2016 damaged or destroyed more than 2,000 buildings, 16,000 acres, with 16 lives lost, I think they are trying to be better about enforcement.

I think it is very unlikely if at any time soon that the state allows a jurisdiction to require the removal of safe unpermitted units (it likely would mean the end of the housing crisis).A legal ADU is worth more and will be easier to get rebuilt if destroyed.