Additionally, most exemptions require some type of filing with federal or state securities regulators (or both) notifying them which exemption you are claiming - and giving them jurisdiction over you in case you do it wrong.

One thing to consider is that you can only waive the property tax for your primary residence in Texas if claiming the 100% disability.

In fact, if insurance carriers found out that you are renting, you may run the risk of getting dropped from your policy or having a claim denied - see the AirBNB forum below:https://community.withairbnb.com/t5/forums/v3_1/fo...I am independent insurance agent serving Alabama and I'd be happy to help you navigate this process.

The good thing is that once the gutting is done and the handful of flood claims are done (most people didn't have insurance or adequate coverage) prices will be back to normal because people without insurance don't have anyone willing to pay 5/10x the labor cost for them.We were lucky in that our HVAC units worked at the rentals so we've been running those and fans.  

Do they have any legal claim to the house?

I spoke with a guy who claims to generate thousands of leads nationwide and sells them to investors.

Claim to be a confused homeowner, tell them your GC wants you to do this, and ask how it effects resale... 

I've never had to file a claim, but I have had good prices and service so far from Travelers insurance. 

If owner A of a home holds the note with a bank, and is on the deed...then quit claims the deed to owner B...who has first right to make decisions with the property now that one person holds the deed, and the other holds the note.

If owner A of a home holds the note with a bank, and is on the deed...then quit claims the deed to owner B...who has first right to make decisions with the property now that one person holds the deed, and the other holds the note.