I think the biggest benefit of the AIA system really shakes out to be the effective & clear communication of the guidelines and procedures for construction management, which tend to be much more muddied in the residential world.

Surplus line is what I have been looking for as I am involved with an older property that is typically found to be uninsurable by a lot of other mainstream insurance companies due to the properties age and some of its original features and surroundings, I just have a question and have done some reading on this and it's really not too clear and it sounds it can go either way really with this and I'm fairly new to all this so I am learning a lot of things as I go but should the private non traditional mortgage lender be listed as additional insured while the person occupying & buying the home and also purchasing the property from the lender be listed as mortgagee?

Rental and eviction procedures?

They are not able to assign a value to things like roof age.

Its extremely important when running tighter margins like what you're talking about to focus on age of HVAC, water heater, appliances, roof, etc.

A lot of this is due to the age of the homes (some homes here are 100yrs old or so).

@Andrew Liu you did not list the age of the house.

Not all do, and there's potential those carriers won't accept the risk for a myriad of other underwriting reasons, too- age, current condition, etc.

., We’re the same age and while I haven’t thought about exiting real estate, I have thought about diversifying asset classes.

I think their general stance is going to be to go with whichever comparable property has the greatest degree of similarity in terms of (probably, in this order): location, age built, quality of construction/current condition, and square footage.