We only had to jackhammer & take out a few feet in the basement and were able to clear out the rest because the toilet had been being used ...thank goodness and there was water in the line which kept the cement from hardening so we were able to clean it out instead of replacing alot of it....

I can confirm the Property insurance market nationally is hardening up. 

I just worry if you dig your heels in he may as well but feel it is best to try to get anything now you can and harden your stance later when you can back it up.  

The tenants are hardened and it really takes a hardened, firm hand to deal with them.

Work in areas small enough that the mud doesn't harden while you are working; if you think you will be slow buy the 90 minute set mix.

@Ian Stuart @Wendy Harden can you share the names of your lenders?

If it is, talk about hardening a rental.

You can apply termite prevention treatments pretty cost effectively, but it’s a lot more expensive to harden an older wood frame house against 150kt winds.

@Carlos Contreras search “harden rentals”

@Ryan ClearyThere are reports that modular construction, which is hardened in order to be transported survive the hurricanes there is Florida better than stick built.If you private message me I am certain I could dig up the study, it was completed by FEMA if I recall properly.