One of the policies we saw had the breed exclusion that said something like... the breed exclusion applies if the dog breed is declared a dangerous breed in that city, state, etc or any surrounding municipality.Literally the city next to the one in question has a dog breed ban that they don't really enforce but as far as I'm concerned would open the door to a dog bite liability claim being denied.

If anyone in Denver is interested, the city is revising their zoning policies on ADUs - you can see a summary of the changes here or you can read the full changes proposed hereThey are taking public comments and questions through Thursday and hosting a virtual town hall tomorrow evening before a recommendation is made to accept or deny the proposed changes to the zoning laws.

Clerk denied it, find my phone located my phone in the store and he still denied. 

Any company insuring your properties without an inspection most likely has a clause buried deep in their policy allowing them to deny claims for conditions found on the property that do not meet their UW standards and they will deny you claim based on "the house should have not been insured with them anyway".Although the inspections can be annoying look at it from the other side.You pay them 1000 to 3000 a year to insure a rental property where they agree to pay out possibly hundreds of thousands of dollars if it burns down or up to 1 million if a tenant slips on a bananna peel and falls down the steps or the tenants dog bites someone and since you didn't enforce the tenant having their own renters policy to cover the dog bite the landlord's policy is paying out.The insurance company is very much like your rich uncle backing your business venture - you run the business, he takes on the financial risk from disasters, and doesn't even get a say in who lives in the property.Your rich uncle asking you to fix the steps, put up a handrail, etc which is in your and his best interest long term.Do you really want to rent out a property with a busted front step and a bad roof that is going to leak sooner than later?

Quote from @Dan Denis: @Robert Esposito.no your question I don't get it? 

I think if it's vacant 30 days, then a homeowners or landlord policy will deny any claim filed.

@Melissa Faraias research Fair Housing laws because if you already allowed husband on lease but are denying his child or charging extra for his child, that may be a violation.

It is illegal to deny a tenant based on source of income, so if they have a CHA voucher they can live anywhere. 

Do I have to refinance with current lender or they will deny any refinancing deal with me?

I receive dozens of section 8 vouchers and deny most.