I live in a twin tower, 42 floor, interior access complex in Waikiki.  One fire in 42 years (cigarette butt tossed from a higher lanai, landed on a seat cushion on a lower lanai).  Fire put out in 10 minutes.  No one hurt, just some smoke damage.  Never mind......I'm screwed.  Caldwell's "just a few thousand estimate" is gonna be $50k+ per unit.  I don't want a tax break or a low percentage loan, I just don't want to have to pay for this.  I'll take my chances here.  Believe me, I'm not alone in that sentiment.