You have to weigh the benefit of the insurance claim payment versus potentially having your carrier cancel you and perhaps get black-balled by the insurance industry.

I’m not suggesting anyone discriminate against anyone but if there’s red flags initially it’s most likely going to get worse once you’re living together.

I now know what is actually a “red flag problem” and what can wait months, years, or indefinitely to repair.

Been in law enforcement for some time and while they do evolve over time, they will keep the same red flags in for long enough for people to figure them out and spot them. 

Also look back on their application and see if you missed any 'red flags" so this can be a valuable learning experience for you.

To be clear, I don't think this is redlining, but the flag always goes up in my head because I don't know enough about it. 

They're just brokering you to other carriers.  

Lookup the podcast called Tax Smart REI by Thomas Castelli and Ryan Carriere (Hall CPA) - they have described it very clearly with IRS case examples.  

After 20+ years in real estate partnerships, here's what actually puts you on the IRS radar (and what doesn't):REAL Red Flags That Matter:The Partner Complaint TriggerDisgruntled partner files Form 8082K-1 disputesPartnership disputes leading to tax filingsReal Impact: Instant IRS attentionSuspicious Loss ClaimsLosses exceeding investmentArtificial basis inflationSudden large losses without economic realityExample: $100K investment claiming $500K lossesRelated Party GamesCircular property flipsBelow-market transfersFamily partnership schemes without substanceWatch Out: IRC §267 and §707(b) violationsDebt Engineering Red FlagsBasis inflation schemesArtificial guarantee arrangementsPartner debt shifts near year-endCritical: IRC §752 compliance matters!

The model flagged listings that could likely generate more revenue with better descriptions.4.Market Comparison: Using Zillow Zestimate APIs and AirDNA, they compared similar properties in the area and forecasted how much more the property could make if the photos and descriptions were improved.5.Property List: All of this data was organised into a Google Sheet for further review.6.Automating Outreach: They used Claude to generate personalised outreach emails and DMs to homeowners, pitching offers for the properties.The entire process revolves around identifying undervalued homes that look worse online than they actually are.Has anyone seen anything like this?