Ice is treacherous and if a slip occurs and causes injury...well you know where I am going with this.

Itried to search RSI and only got a repetative strain injury. :!)

That first of all protects you from the liability of his injuries .

The first month alone carries the highest risk for injury and/or lawsuit, and I wouldn't want to take that chance before transfer.

Build on your strengths, hire out your weaknesses.I have a spine injury.

If someone wants to do that, well I guess that's up to them if they want to take that risk, but in ANY major claim, whether its a fire, injury, etc the ins co will investigate the heck out of things and will almost certainly figure out the true story and deny the claim. 

Fraud defined: intentional deception resulting in injury to another person, imposter; a person who makes deceitful pretenses; something intended to deceive; deliberate trickery intended to gain an advantage.

Unfit for habitation is defined as: “A condition which renders a building, structure, or any part thereof, dangerous or injurious to the health, safety or physical welfare of an occupant or the occupants of neighboring dwellings.

Have you run into liability claims such as injuries that have included you as the title holder?

The best was a woman who had been in a car crash, had a back injury, was being kicked out (illegally of course) by her current landlord and the insurance company,  had a new baby,   was being unfairly harrassed by some govt agency  (forget which one) and whose adult son needed to stay with her but he couldn't be available to meet for viewing the apartment or signing the lease,  amongst a bunch of other things I don't really remember.