I want to keep them separate to manage activities according to each regulatory agency.

It drives me nuts seeing the lions share of blame being placed on weather in main stream media (talking as an aggregate whole not going to cherry pick individual ones of differing messaging) when I see a laundry list of obvious human caused contributing factors. 

Also, in a mainstream asset class like value-added multifamily, I see no reason to take a risk on a sponsor that doesn't have full real estate cycle experience or that lost anything more than a small amount of money (and prefer no money lost).

Both agencies have received reports about RAD in the past.

Hi Carlos,I am in Madison, WI and we shopped around a lot when moving a few years ago and used Neckerman Agency (now McClone) who are insurance brokers. 

Attempted to report him to state agencies but there was no clear jurisdiction.

Hey Allison, great questions.Agency Agreements: In North Carolina (the US entirely actually) you can’t view homes without a signed agency agreement, per recent law changes.

Mainstream homeowner policies won't cover sober living because they don't account for the risk of multiple people recovering in the same home

Other one is to do collections via an agency, but AFAIK, they need judgement again.

Kalamaras, we were ready to close your file, we needed to change Title Companies as your Title Agency was refusing or could not add proper endorsements because of their Underwriting Insurance Carrier.