The roof partially caved in and damaged her ceiling.

Sometimes the block foundations can be caving in depending on the area.

Let me know if you want to connect and explore the purchase process with Roofstock. https://www.biggerpockets.com/forums/850/topics/902026-1st-sfh-purchase-with-roofstock-investors-delight

Hey @Jim Glover, despite the hesitations you have on it and the corresponding downsides I think this approach would be solid if you can present it simply.One of the "hangups" with a HUGE potential pool of flip and BRRRR properties in my area (and likely nationwide) is that the same people who live there and are not readily able to install a new HVAC or put a new roof on would delight in the cash produced by their property, but don't have a ready place to go. 

It was very delightful to see professionals lending free advice to newbies to start their real estate journey.I am an immigrant I came to Canada two years ago and I am living in the GTA area.

I have never heard of them, so delighted to get the idea.   

When the ceiling caved in, that was just one of many disasters the hard-money lender had to face when it came time to reclaim the property.You've heard "time is money."  

@Kaylee WalterbachDiscovering where I can add value and then teaming up with those who have already done it.Don’t go into the dark cave alone.

The damage is about $15k.I contacted our insurance and they are denying our claim, citing the following:collapse, including any of the following conditions of property or any part of the property: (1) An abrupt falling down or caving in; (2) Loss of structural integrity, including separation of parts of the property or property in danger of falling down or caving in; or (3)Any cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion as such condition relates to (1) or (2) aboveTheir reasoning is that the tree didn't fall directly on the wall itself, and claim that the basement was faulty prior to the incident.

Brand new kitchen features playful backsplash, SS appliances, and soft close cabinets, and adjacent easy access to dining, back deck, and living room for entertainer's delight!