If a policy excludes wind coverage (more common in places like Florida where insurance is severely strained by weather and other market conditions) then all wind related events are excluded.In those cases, it's sometimes possible to purchase a wind policy (usually covers wind & hail) which would provide tornado protection.

If you have doubts, provide both, it's not that big of a deal..... 

I will provide an extra Financial Incentive for the sale as a package.

The deadline to file for properties purchased in 2024 is January 31, 2025 for the benefit to roll forward this year..Other Important ConsiderationsThe exemption doesn’t apply to agricultural property, personal residences, or property assessed by the South Carolina Department of Revenue.Even if you missed the initial deadline, you might still qualify for partial benefits in future yearsHow to Apply for the ATI ExemptionApplying for the ATI exemption is a straightforward process, but it’s essential to act quickly and provide the necessary documentation.

Can you provide references?

They can provide training and help you close.

You need to provide a certificate of occupancy.

Don't discuss the mold with him because he obviously didn't provide evidence or the opportunity to remedy the situation. 

Can you provide more clarification?

To help expedite the rental unit approval/inspection, you can also talk with your local housing provider that runs the Sec 8 program what basic items they look for and make sure you have those covered.