Being a surfer for decades I have followed the weather closely for decades. Before the internet I could look at satellite photos and tell you where the rain and waves were going to hit. So now there are some serious El Nino predictions officially coming in. We have been in a drought for so long that some dudes were able to dump some troubled properties without anyone knowing they were water drainage nightmares. If you bought one of those, I recommend lowering deductibles now and raising coverage to the limits! Based on the ocean temps I have been experiencing these past two seasons this is going to be a real big one. Personally, I would sell those now. You will be able to buy it back cheaper after the damage. Good luck this year and next.