In earthquake-prone California, a surprising number of homeowners and businesses don’t carry any earthquake insurance. In the aftermath of Napa’s 6.0 rumbler, the cost of cleanup, rebuilding and business interruption – with or without insurance – is becoming uncomfortably clear for many. Onlooker take photographs of a collapsed parking structure trapping many cars at the Charter Oaks Apartments after a 6.0 earthquake Sunday August 24, 2014 in Napa. Dave Falk cleans up his mother's, Raye Falk, mobile home after a 6.0 earthquake at the Napa Valley Mobile Home Park, Sunday August 24, 2014 in Napa. Phil Tessier and his daughter Naomi helps their friends move out of home damaged on Twin Oaks Drive after a 6.0 earthquake Sunday August 24, 2014 in Napa. Steve Brody, 67, looks though his damaged possessions in his mobile home after a 6.0 earthquake at the Napa Valley Mobile Home Park, Sunday August 24, 2014 in Napa.