If I were the previous owner (AND it was still within time to file a claim), I would say no because A: it should've been something you brought up before, and B: even if you pay the deductible, the claim still remains on the CLUE report for up to 7 years, increasing their premiums for the new property.

You have option of single premium and 80/10 option and some other options to avoid MI.

Typically it breaks in hottest or coldest day of the year and that’s when you will pay a premium price to get it replace or fixed.Personally I would not want to install a refurbished HVAC system, I think you’re better off w new installation and not have to worry about it for a long time.Typically when I purchase a unit and I know HVAC system is over 15 yo I know that sooner rather than later I will have to replace it and I plan for it..

The cost of maintaining the LLC, filing a second tax form, etc will most likely exceed the cost of the Umbrella premium.

Maybe that could help me get a little more of a premium for mine :)

You'll also want to ensure you're taking full advantage of any potential credits to lower your premium.

If the borrower had prev. coverage of $200K, you get a premium invoice for that level. 

They should include prepaid items like property taxes and mortgage insurance premium and title insurance.

@Sam Shueh, I hope you are wrong re the insurance :) I have been dealing only with one ins company for all my investments and hopefully they will see the value to continue doing business with me It's unlikely that your paid premiums have exceeded the amount the insurance company is now going to have to pay you.

just curious how your deal work. typically when it's at high occupancy it's sold at that premium and not as much upside for buyer to improve and capture that value.