Most real estate agents actually do not have the need to go into an office to close transactions and meet clients at either a natural location or at the properties they are showing or listing. 

The market will naturally balance itself. 

We are seeing big increases in HI because of the natural disasters in FL, CA, etc.

So when we did not receive any response to our emails for several days, this naturally triggers concerns and emotions.

Let's say there's 3 properties in a 1-mile radius with 5b/3b, but one is a foreclosure and the other 2 are regular conventional sales.If you're doing a comp for your subject (4th) property, do you have to take the foreclosure one into consideration?

The property is off grid, but already set up with solar and a compost toilet and things of that nature.

Due to inflation and the drastic increases in material, labor, and supplies, that's naturally caused carriers to rethink limits/values on file. 

Are a lot of people in it for themselves, and will give you advice that will benefit them, of course, that is human nature?

Look at your competitors then adjust regularly.  

These logs regularly end up in the Tax Court and are usually destroyed upon review.