Apartments with parking on the first floor are prone to collapse if ground floor walls and columns are not strong enough to hold up building during a major earthquake.
Fannie Mae now requires this PML probable material loss report that supports if the buliding will have greater than 20% total loss or destruction from major quake. If so, then retrofitting will be required to obtain financing. Fannie Mae has the best rates and terms available for Apartment Owners around.
The reports , done by engineering firm can cost $1,000 which will only let you know if your building needs retrofitting.
Consult your architect or certified civil engineer to help evaluate your buildings condition.