The 1906 San Francisco Earthquake destroyed over half the city and cha

Fill in the blank can be difficult because it is unclear what type of question it is until you have read the passage. Regardless when you are reading this type read for the conclusion and any premises.
The conclusion of this argument is "this figure is likely exaggerated" indicated by the word because and a reason following. The premise is that there is a universal practice of insuring against fire but not earthquake."

it is our job to determine what this universal practice guaranteed in light of the fact that the amount of fire damage was likely exaggerated.
[quote="nitin6305"]Which of the following best completes the passage below?

The 1906 San Francisco Earthquake destroyed over half the city and changed the development of the California economy, but much of the damage was actually caused by fire. It has been estimated that as much as 90% of the total destruction was a result of fire damage rather than movement of the earth. This figure is likely exaggerated, however, because the nearly universal practice of insuring San Francisco properties against fire but not earthquake damage all but guaranteed that ___________

-most damage to the city was blamed on fire
-the city would eventually be rebuilt
-insurance companies were forced to offer earthquake coverage
-residents subsequently moved to other cities where earthquake coverage was available
-buildings not damaged by fire were never repaired

Can someone please help me with the logical structure and method to approach such questions? Fill in the bank is a complete bouncer for me.[/quo

A) This is the correct answer because since people were insured for fire, they blamed their damage on fire - this explains why the figure was exaggerated.
B) The insurance does not guarantee that the city would be rebuild, nor does this fit with the topic of the paragraph.
C) this is not stated anywhere in the passage and cannot be the correct answer
D) Moving to other cities is far outside the scope of the passage as well
E) Never repaired is a very extreme set of words and we don't have any information as to the fact that this happened so it is outside the scope of the argument.