@Fetch PhoenixI'll add something that may apply....your current policy may already exclude wind and/or fire, which means that you could already be without protection. 

You can protect yourself with a short contract period.

@Ryan Daniel  I will preface this with the fact that I have a legal background, specifically with estate planning and asset protection in relation to real estate investments.

Translation: you helped your client to protect their cheating against the state assessment.I understand that your client, as a result, avoided paying $45k.

If you compare the sales pitch between Next Level Equity and Goodin Development  you'll hear a familiar tune with the names changed to protect the guilty.

We are t protected at renewal time. 

@Cristal Ochoa @Leiah DotlichI will preface this with the fact that I have a legal background, specifically with estate planning and asset protection.

We have a 14-page management contract that we've added our real experiences to over the years, with the intent of protecting both us AND the landlord.

@Brice Alef-Torrisi To manage finances for multiple properties, maintain separate bank accounts for each property if held under different LLCs to avoid commingling, which could jeopardize liability protection and complicate tax deductions.If properties are under one LLC, using a single account is fine but requires detailed record-keeping for each property.

@Paulette Midgette I haven't looked at that statute in a while but I would check to see if the Home Improvement Consumer Protection Act ("HICPA") applies to this situation.