Unlike wind, fire and flooding events that can and have wiped out entire communities “Earthquakes” can and usually do give you a second chance if proper and preventative measures are implemented.Next to loss of life and personal injury the biggest tragedy and challenge in the aftermath of any disaster is total loss of the use of your home aka "Displacement"There are three levels of classifications your home may be subjected to if it is damaged in an“Earthquake” as well as many other types of disasters.

Equifax is paying a $393,000 fine for not having adequate procedures in place to prevent selling the lists to firms that shouldn’t have received them.

.• Lawn and Snow removal of vacant properties to prevent blight and other city tickets.

Here is where my challenge started.I have been through 2 lenders thus far all saying they could do the refinance only to find out after paying for appraisals and submitting all documentation that they couldn't.First lender said they could do 80% LTV cash out refinance only to find out the highest they could go was 65% (wasted 2 weeks)Second lender said they could do 80% LTV cash out refinance only to find out at the very last minute (wasted 2 weeks) that because my son is living there they consider that an owner occupied property and could not do it.Evidently there is a Fannie Mae and Freddie Mac guideline that prevents me from getting a fixed rate refinance because of my son living in the property which I honestly don't understand.I am trying to stay positive and mark this down as learning the process.I pride myself on having tremendous integrity and honesty, so during the process I listed my son on the rental agreements. 

The land/lot is rented by the owner of the home.Gets very complicated, because most park owners/managers will try to get involvedand prevent you from completing anything.

I was going to accommodate costs for insulating pipes if needed as well as regular snow shoveling to prevent damage to the driveway.

The basement group also needs to be behind its own dedicated backflow preventer.

I was just hoping that there was something I could do to prevent them from abusing what seems to be a loophole in the system 

I also want to prevent myself from a court marshal or losing my security clearance for having illegal drugs on my property or associating with people who sell/grow/use marijuana. 

That's why NYS recently passed the laws preventing Landlords from highly increasing rent after improving houses.