I’m not a big phone guy but I’d be happy to reply over and over to DMs or emails. 

However, we're concerned about the possible unforeseen.

You are correct they handle by PM company liability I have prudential personal liability.OK, yeah, and they (Coterie) doesn't offer commercial umbrella insurance (or personal) so I was concerned you might not be covered correctly.You have a personal liability umbrella through Prudential?  

Nothing can guarantee that.Looking back over 30 years and hundreds of deals I can recall only two occasions when a greedy homeowner tried to bail on our deal. 

Quote from @Jordan Sachs: I'm getting the info from my friend not her husband so it is possible something is missing however, I think she's mostly concerned that there is now a lien on the new owner's property and less about paying the actual bill.

You can likely withdrawal more than 4% without having any concerns of running out of money.

I am surprised that @Noah Wrights clients aren't as concerned with that.

My concern is all the LTO where in place before 2020.

In my experience many unlicensed wholesalers operate in a grey area and often cross over into what is obviously brokering real estate without a license. 

It’s best to be overly cautious, as flood insurance can be a significant expense.