Your description is good with all the bullet points, but after each set write a brief description of the points using keywords that are popular in your market.

We have never submitted any claims.Anyone have a recommendation for an insurance company they like that writes policies in this area?

You ask them what their terms are beforehand also and get it in writing.

Hi Dennis, I'm writing about a month after you wrote your post, so this might be too late to help you decide.  

We failed to make sure that part was in writing.

Or does the family get those write-offs?

Your agent failed in the contract.EVERYTHING in WRITING - emails is best.

In some states the 2nd may be uncollectible as it’s past statute of limitationsRegarding charge off, that has little impact on borrower - the lender is writing it off I.

This also allows for property owners to more easily write-off assets that get damaged/destroyed as the value of these assets is determined as part of the study.

Now how can you qualify: -your employer can write a letter stating you are or transitioning to 100% remote worker, if this is allowed;-obtain a transfer letter with your current employer-you can get an offer letter with a new company, letter must be non-contingent, and a guaranteed salary.There are definitely multiple possibilities.