Nerves mainly, but as of February 29th, I was laid off from my primary job and since, have had major difficulty in locating a new job.

You might be able to file a petition for order for spousal distribution, or a summary probate or a formal probate.Without examining title, death cert and specific facts and circumstances, it's pretty tough to give specific advise. 

Retired Army Officer, Bank Examiner, Commissioner of a large PHA, Board of Directors of community non-profits, Real Estate Broker.

I would go above the basic office staff and speak with the examiner/underwriter.Additionally, you can initiate a claim through the underwriter of the policy. 

The major item that you can look for as you’re also examining these smaller items is the condition of the foundation.

Anyway, I calmed my nerves, got my call script out and called him.

The year was 2013, a unknowingly great market for investing, and a little nerve-racking for the both of us.  

You have to travel to your investment focus area in Nevada (Reno or Las Vegas) for your LLC's REI business reasons anyway -- to learn the investing climate and market there (I would urge you to attend the local REI associations and/or clubs for your investment focus area(s)), to build your local power team, to learn the neighborhoods, examine potential 'next investment' properties, and conduct your due diligence on any property you intend to purchase.  

I would recommend consulting your tax advisor who can examine your complete picture and give you the information you need to make an informed decision.Ed

Only a fool would buy RE without a title search or examination