Trying to find the right balance of getting adequate vital coverages but not overinsuring.

There's nothing wrong with an additional layer of protection but educate yourself and make a smart choice rather than panicking and building 20 levels of protection against something that will probably never happen.

May have to pull that up or change the toilet flange if the heights aren't correct and you want to put down LVP.One thing people forget to consider on flooring layers is door bottom interference.

But upon ripping it up, I found it to be soaking wet and layered with piles of dander/dirt, which due to the moisture was more of a mud -yuck.

As has been said, the asbestos is a good insulator so the vinyl just adds another layer and makes the house look more modern.

This extra layer of structure is just an idea. 

The range which also was new was covered in  a layer of grease and grease, food debris, and other foreign object under the cover of the range top. 

DISCLAIMER: I am NOT a lawyer but my understanding is LLC's only offer one "layer" of protection and honestly a good insurance policy/commercial insurance policy with an umbrella liability policy will do you more good than an LLC will.

If you had a shake roof covered, you may not have decking it might be on stringers, what's the condition and how many layers are there?

When you overcomplicate things it makes it a lot easier to miss a detail that could potentially open an entity up to being set aside.While I understand the "multiple layer" argument, the extra complexity (not to mention extra cost, if you care about that sort of thing) means extra risk of doing something incorrectly (missing an annual meeting, writing a check from the wrong account, etc.), and if you maintain the main entities correctly anyway I think that (and a good insurance policy) is the real line of defense."