This is one of the biggest insulation issues second only to the attic.

I’ve been unable to find anything.I’m new to the Cleveland market and was able to navigate the LAIC issue.

They are paying for some repairs now after I've had several issues and a brand new tenant moved out, but I'm still paying a mortgage without any rent coming in during those months. 

It is amazing how many times I have seen the cash flow represented as rent - PITI and to compound the issue they did not realize the ADU would increase their property tax.   

Long term rentals are the easiest since you won't have to deal with cleaners and maintenance issues are relatively easy to deal with by calling someone. 

We had an umbrella policy and never had an issue.

Also, are you trying to avoid one with an ice maker--potential here for additional maintenance if any issues arise.I've had Whirlpool, Samsung, Frigidaire in properties without any issues.Make sure you're aware of what the manufacturer warranty covers things such as parts, labor, and compressor.  

More important questions are all the ones like this:If there is a disagreement, how are issues resolved?

CA has it's upsides and both states have insurance issues.

The foundation was already approved, permitted and finaled years ago for a 3400 sf house, and its solid and I won't be building directly on the overhang edge; but rather back away from the edge a few feet to prevent any load issues all the weight will be on the longer sides of the existing footing.