You're just leaving your credit in someone else's hands and recommending that could potentially have liability for the agent if they endorse it.

The lender will typically require a more comprehensive title insurance policy with endorsements typically not required on a residential purchase.

I recently changed dwelling policies to State Farm and they include “Roof Surf Loss Settlement - ACV” in the forms, options, and endorsements section.

You can require a 438 BFU endorsement, which is similar.We don’t have a great answer and many we know have similar concerns.

And for the companies that endorse WealthAbility, I would think twice about putting your stamp of approval on such a sleazy sham of a business.

I'm thinking that Environmental be added as an endorsement under our general liability insurance might be a better way to mitigate risk?

Each carrier will evaluate the property and determine what the cost will be and that's why each carrier has a different premium for the property with generally 85-90% of the coverages being the same.If you feel the dwelling is low see if they have a guaranteed home replacement endorsement that can be added or 150-200% dwelling coverage to truly protect yourself in the event of a total loss.The market is going to be like this until 2025 most likely so the easiest thing to do is raise your deductible without sacrificing coverage.

I would NOT in any way endorse or speak to what tenant is saying of disability or herniated anything unless I have a Dr document explicitly stating this, no-way, those words are radioactive.  

This is by no means intended to be an endorsement of working with or working without agents, wholesalers etc.

However, there is a MLO endorsement available to the broker license, maybe this would provide the exemption.