Quote from @William Sharp: The only way to legally claim the property is through a tax auction or foreclosure (if he had a mortgage).

However, they provide the leads and claim agents get an average of four sales a year.

So the income is claimed at the top and the expenses are DEDUCTED toward the bottom.

I had done big work and it only took that long when we need to wait for dry cement which won't be more than 2 to 3 weeks.I believe the delay could be because of a claim to the insurance, right?

If you do a walk-through with them and they don't change filters resulting in a issue, they can just claim you never informed them.

I filed a claim with bank but bank mentioned they will try to recover the money if there is money in the amount. but its not guaranteed.

His primary mortgage was sold to a private lender in the early 2000s and he claims he had to give an explanation each time as to why he financed with a private lender with such poor reputation every time his credit was pulled.

It is an interesting way to think about warranty as a type of "insurance", except that insurance doesn't seem to service the claim well when the time comes.

In fact, I go with the highest deductible as possible and plan to only make a claim if something catastrophic happens.Duplexes (in my experience) rarely get broken into once occupied.

For example, I often see Buyers purchase property thinking there is a $1,000 deposit but then the tenant claims it was $2,000 because they paid the last month's rent.