IF that is the case full stop - yes you are paying for something called insurance but if you have a claim the company has the right to pretty much deny coverage for having the wrong type of policy.Landlord policies are higher cost but for a reason - there is a different and increased level of risk when the house is not owner occupied.Talk with your agent and get all the details sorted out. 

This is the type of response I was looking for - some sort of explanation as to why my property was being denied coverage. 

With this scenario we both have skin in the game: His work and my materials.

Feel free to track on the site above or if not, I'll post again with an update in a few weeks time as they get closer to some sort of proposal.  

Finding some sort of value-add aspect or buying at a discount means you either create or walk into equity, which protects you.

Digitize physical receipts for easy storage and use a consistent naming convention for easy sorting - 2024.03.25 Home Depot.- Maintain proper records, such as contracts, settlement statements, and promissory notes.- Additionally, you can track income and expenses consistently using software or spreadsheets.If you track everything, you could show a loss and use that to offset other earned income (such as a W2) which will net you a bigger refund.

Make sure they send you a copy of the police report so you can follow up with the tenant causing the issues and send them some sort of warning in writing.

Forgive me if im being a bit forward: would you be willing to give some sort of tips/guidance of the process ypu went through from start to finish?

Or are they performing some sort of arbitrage and they are not the end buyer.

However, it was not something that we planned on and I did not have any sort of communication prior to with that particular poster planning to highlight their services. good point Joe will have to see if I can see that kind of behavior..