They refused to do it and when I went to get insurance quote from another company a year after this incident, they refused to write the policy because of this claim.

We've managed to accomplish a similar trade over seas without incident. 

Similar losses happened all over that area from that storm so it was not an isolated incident.   

Be careful how you talk with your new tenants, as this incident could spook them and they may decide they don't want to move-in at all.I don't know what the loan department of the credit union will need to know.

It has been a year since that incident and I am trying to get back here but somehow the feeling is not the same.

Do you measure that by how many years of coverage without incident, by the number of doors (properties) you have, or some other way?

It is likely going to be determined that the tenant is not at fault for this incident.

We've used Cozy for several years now without any incident.

Although I do not agree that I was being racist, it has never been my practice nor intention to get into a name calling incident, so that post he found offensive was removed.

As a direct lender for real estate investors, I've been bamboozled by the number of people who are unable to identify their credit score and/or are unaware of significant derogatory incidents in their credit history.