Only mother nature knows if the supposed "100-year flood"will happen in any given year (here's a video) that is by an engineer really fascinating for us Nerds.

Naturally with these types of companies if you cancel your agreement with them, they continue billing you like a scammer.

The developer in this case added value and didn't just hope for natural appreciation.

I am replacing my 75K BTU, 80% efficiency, natural gas furnace.

I think natural wood is the easiest to maintain myself I would pick something durable, maybe on closeout or a discontinued line.

Anyways I had met a few people that were doing quite well with AirBnB (due to a lack of quality rentals here) and the general transient nature of Topeka's population - seems a lot of people dont stay here long and I can see why. 

@Russell Brazil is that just the nature of refi?

The company itself will want to sell you on all it offers, naturally, but speak to others who use them to find out how things really work.Good luck to you!

So naturally I feel inclined to pull the trigger since I've already invested all of that time. 

@Britt Angel This is the Whole purpose of a “walls in” policy....to cover damage from a natural event or by Someone else (ie. your upstairs neighbor let’s their tub overflow).