You can actually to to the NMLS's consumer access page to look up a lender to check licensing.

Its pros include streamlined property tracking, access to owner data, automated direct mail campaigns, and team collaboration features.

I don't think its fair for you to say they are making money without it as I doubt you have access to their books. 

As I'm sure you can imagine, it's been incredibly difficult for even the claims adjustors to gain access to the properties.

Usually you're going to have to invest some front-end money to survey it out and work with an engineer to figure out what's possible (generally the more lots the better) based on your existing access to infrastructure, the desirability of the area, zoning rules, etc. 

I don't know why you would think a tenant requesting notice before you accessed the property would be an "unreasonable demand".

This isn’t about immediate affordability; it’s about creating a sustainable system that gradually reduces costs and increases accessibility through scale and efficiency.Institutionalizing Cultural and Economic ValueSimilar to how pension funds and university endowments operate, this model institutionalizes cultural value.

Some transport companies have house kats that can get off the road and onto the site for an additional charge or you can hire a third party if the access from the road is limited.  

I would think your insurance agent might have access to some historical information for a specific area as they would want to examine this closely for their underwriting.

On the surface that sounds fine except with VRBO I did not where I have access to their credit card to charge them directly but rather I could submit an extra charge and it's up to the guest if they pay or not.