Yes I have an uninsured (as is) place. Not much damage done to the place. A number of small cosmetic cracks in the inside. A hairline crack in the garage floor. The reason the payout was taken is that one corner of the house is 60mm lower than the front door and most of the rest of the house. It's a 60yr old house and it's hard to say if this is from the earthquakes or not but was deemed to be from them. Got the cosmetic stuff fixed up and it looks like any normal 60yr old house. The corner is still sunken and in one room the floor does slope a little but I've been in other old houses that have that too. Structurally it seems fine.