In a previous post Hatunen says...
Remember though, the goal of seismic structural design is not to
save the building; it is to save lives. Even a well-designed
building could be a total loss after an earthquake. This is an
important consideration if buying a place, since earthquake
insurance in California is fraught with difficulties.


Dave's information and advice appears well thought out and I concur with
his recommendations.

--
Bob Morrison
R L Morrison Engineering Co
Structural & Civil Engineering
Poulsbo WA