What is being confused in there is some of the lost note affirmative defenses that have come up in foreclosure suits along with a gross misunderstanding of the ramifications of the "Robo-Signing" of 2010.

He reached out last night and we have an appointment this afternoon for a conference call with his new bookkeeper to review our account.

Insurance is the FIRST line of defense.  

The existence of a contract -- I agree with you on this -- may be a complete defense to such a claim. 

I remember I was speaking at a conference many, many years ago when a young Stanford MBA I know texted me saying he was also at the conference and could we talk.

And person A had defense of "it was not on our property.

And seems people get very defensive if speak to such. 

I find land lording experience to be more work and stress than I would prefer with small kids, but that it is still a nice defensive portfolio position.

Agreed with the above that the ROW agent likely went along with you because it kept you from getting your defenses up, and also that there is little to no reason they need to compensate anything here. 

You're worried about the defense you need to play, just play offense.