Even though I will most likely win the case with my own funds fighting it, all three insurance companies found language in the contract that disqualifies coverage for this type of event.So I dont have faith in most insurance companies - they all seem to tighten up when claims are filed. 

You can expect to see lenders tightening debt service  calculations.

The market has shifted in recent years, and many lenders have tightened their criteria due to increased risk and regulatory changes.However, I work with a network of private lenders who unsecured funding in the form of signature loans that borrowers often use for gap funding.

And when you do go through a cycle and have to tighten your belt or some deals just dont/or did not work..

As someone from Newburyport, I see similar trends in greater Boston and agree that strategic investment is key (espeically with tightening restrictions).

To do this, you need to make sure and find designers/contractors that have built many ADUs and can properly determine what your full required scope will be.Also, jurisdictions are tightening their interpretation of ADU rules, and we're finding MANY more plan check comments are coming back for items not previously requested.

Right now, as I said in an another thread months ago, once the rate cut is near the small cap: large cap ratio will tighten.

You could invest in housing near the refinery or buy a home you'd like to retire to...housing will tighten up in both sectors.  

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.

These included one of the outdoor lights not working, small common area repairs, tightening things, and a hole in a screen.