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GMAT CLUB TESTS

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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.

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