It took a year and a half and a lot of work, as well as significantly more dollars than I was insured for.We had a slip and fall medical claim a few years ago that resulted in a settlement of over $200,000.

Soon as they’re notified there’s money to be had, all the relatives who never gave a s—t are hiring attorneys to press their claims.  

Not to mention that insurance companies will find every which way to avoid paying a claim. 

You can make whatever offer you want to make based on your math and MAO, but don't lie them by falsely claiming that their property is worth less than X dollars in a market.

The unpaid lease may lead to a claim against the estate of the decedent but it’s not a title issue, IMO. 

Tenant continually claims “hardship” in court and judge adds additional time for eviction5.

They claim they are religious (he is a youth pastor) and don’t smoke (but they look like the do) and image wise are tatted from head to toe and don’t come off like they say. 

I believe that under a standard title insurance policy, building code matters, zoning and other governmental restriction on the use of the property are excluded from coverage so unless you purchased an extended form title policy there probably is no coverage, but it never hurts to submit a claim. 

So a sponsor that's great for one investor will probably be terrible for another (and vice versa).I'm a conservative investor, so when I invest in real-estate I prefer sponsors that have at least one full real-estate cycle of experience, little to no money lost, low leverage, and high skin in the game.And there is a multi-family operator that has multiple real estate cycles of experience (decades) and it's track record claims no money lost in that time.

I understand your point, but many people do not realize that the reason for the increase in insurance premiums is due to fraudulent claims.