Rubuta ci gaba don wannan sakin layi - Bala'o'i masu yawa, masu yawa sun haifar da kalubale na kudi ga Farmers Insurance. Girgizar ƙasa ta San Francisco a shekara ta 1989, da gobarar da ta auku a Oakland a shekara ta 1991, da kuma girgizar ƙasa a Northridge, California, a shekara ta 1994
sune manyan bala'o'i guda uku. An kiyasta cewa asarar da girgizar Northridge ta yi ita kaɗai ta kai dala biliyan ɗaya da miliyan ɗari uku.