Spray foam was a fast way to get the job done for us (under 2 hours with exposed rafters).

For homes built prior to 1978, I would also add "Entire home repainted post 1978 (or the exact date if you have it), no exposed old paint.

If you are assigning, you are completely exposed on the HUD-1 to all interested parties.

This is where the capabilities of downloading, listening without having to enter your PIN, reading once the message is transcribed, sharing if the message was for an associate in the office and not you, and better call screening are made possible.Those of you with iPhones have been exposed to this function already.

In addition to regulatory liability, there is lawsuit liability for exposing people (employees, tenants, neighbors).See my consulting company's web site news Section for some of my published magazine articles on these topics.

Some were "overlays" so I didn't have to worry about tear off and leaving deck exposed prior to drying in.Once you're down to the deck and can get the tar paper down, TIGHT.

Now you have to have a lab take air samples and test them, AND still make proper repairs by removing any affected materials, and treating exposed areas.

Alternatively, what about a tall propane patio heater (we've never had one), or would our liability be greater or the same with that?  

I've been in NuSkin, and exposed to Amway, Herbalife, and any number of candle and nutritional MLM's.  

There are not only business reasons you keep information gained confidential but also legal reasons exposing yourself to liabilities that may arise from giving out what can be determined as business sensitive information.Perhaps individual HMLs are not aware of policy or adopted customs that become expectations by the public and at times in a judge's ruling.