Is there anyway for the homeowner to get out of the contract without suffering legal ramifications.

Bottom line if they are paid anything over $600 you better 1099 them otherwise you will suffer in an audit.

If the tenant has contents that suffer loss because of a peril your policy pays for (think water backup that damages your floors and the tenants electronics or food spoilage due to power outage).

Rental deposits are really the tenant's money that is held by the landlord against damages you may suffer (when the tenant vacates) due to damage due to tenant abuse, unpaid rent, and even for a broken lease.

Even innocent cotenants will suffer the consequences of one cotenant’s misdeeds.

Anyone who can’t go I’d love to reimburse you plus pain and suffering for it! 

Over the last few years we have seen huge increases in property insurance premiums... on top of that there have been a large number of carriers either go insolvent or shut down their operations in the gulf coast areas especially Florida which has suffered catastrophic losses due to hurricanes. 

This is habit you must avoid or suffer the longterm consequences of shortsighted reluctance to use your money for the right advice.

And since he took it upon himself, he should suffer that loss since I never approved him to do it.Question: Should I pay his invoice for the repairs? 

24/7 I can't even shut it down anymore cause it just takes to long to bring all that info back up.Recently it has assimilated my email with correspondence from meet ups and other people suffering from the same occurrence.My phone is also going through the same thing.