Disaster West Ajijic

Well living on the side of any mountain has inherent risk as does living on the waterfront.

True that but who has a crystal ball. Nothing could have prepared us for stupid people or the bridge washing out.
At the time of the bridge washing out there was lots of speculation about the part that the Polo Club relocation had to do with it. They had cut down trees and pulled out the stumps but had not removed those stumps... which repeatedly battered the bridge until it gave out.
Firsts all round so nothing can prepare you for that. Polo Club = VERY deep pockets.

If you live where things can fall on you...they usually do.

Things can change in Mexico. I admit very slowly. The people in El Dorado won their case against Old Mexico money. It can happen. Nothing ventured nothing gained.

The recent disaster had multiple causes; some were natural or long term established problems and in other places recent developments.