When Amanda Daniels found an affordable first-floor apartment in Wicker Park, a hip Chicago neighborhood, she was excited.
"It had a washer and dryer, which is like gold. And it had a huge shared patio space," she remembers. "I was like, 'This place is awesome.' "
Daniels was living paycheck to paycheck at the time. The year after she moved in, a summer rainstorm flooded her living room with brown water. It destroyed her rug and table, but she salvaged what she could and moved.