Many of the supplies and materials they bought at a high price point should be exhausted by then.

This was not meant to be an exhaustive list.

Until that is done, you should look for another Insurance Carrier that will write your home and extend Liability to that location or get a sepparate Liability policy to cover your wife's interest in the property.Once you have determined there is underlying coverage for the Liability on the vacation home, the question of the umbrella Liability (comes into play once the underlying Liability is exhausted). 

Others that I have spoken with, but not exhaustive because there are a lot who do not lend in California where I am, are Lending One, Lima Capital, Visio, and 5arch.

Here's what I've done so far:I have exhausted all of google's listings (including all the 1 star reviews). 

I found the extended adrenaline rush and process of constantly driving around to be exhausting and nauseating, but I can see why nobody does it.

This is not an exhaustive list, but anyone who wants proof can DM me. 

When they've exhausted those other sources, THEN they deploy loans against the cash value in lieu of their own cash.