Quote from @Leslie Cunningham: Note to self:  never rent your newly renovated family home to tenants...it's too much of a risk and too heart-breaking.That's a common claim, but it's completely wrong.

St Farm is probably going by the last date they see for any Claim or Permit (if any). 

She claims it was paid up front (it wasn’t).

Part of the change was to make it less easy for homeowners to make claims for new roofs.  

@Zachary Sales While 10 days sounds like a long time, let's not jump to conclusions.We've had issues where tenants claim they've moved out, but then want to come back to get personal possessions at their leisure.

It was designed to provide additional Liability coverage if the underlying policy's limits are exhausted in a claim. 

Would I be able to accomplish this by quit claiming the deed into an Llc? 

Joshua -No.If the property was not rented and did not generate any rental income for the tax year, you would not be able to claim depreciation deductions against your W-2 income for that year.Thanks.

On top of the potential insurance claim, imagine if someone died because the smoke detector didn't go off.

Like CPI, the most important factor for how it will affect yields and mortgage loan rates is the reported numbers versus estimates (for both change in number of jobs and unemployment rate percentage), rather than comparisons to prior time frames.Jobless claimsWhile the CPI report and jobs report are typically the biggest monthly market movers, the release of jobless claims also has a big effect on yields and mortgage rates.