These comp houses are inhabited and all one could do would be to assess the outside of the properties.

Hi everyone,I'm looking at purchasing a property that has been inhabited by two heavy indoor smokers, they've been smoking indoors for 25+yrs in the property and it reeks heavily of cigarette smoke(even as a former smoker it's too much). 

The catch is that the properties must be inhabitable because otherwise the insurance will not pay out. 

He reached out to me today saying that farmers went to the property and did an inspection, and says it’s “inhabitable” and they do not want to cover it.

I know there are a few ways to deal with this without testing and abatement, but I’m new to this and want to make sure I’m doing things the right way - and the healthiest way for my family and I (we will likely be living there for at least part of the remodel) and any future inhabitants.  

could you please let me know how much am I looking at in terms of cost of renovation (paint, laminate flooring, fixtures, lightening, cabinets, etc).. this is a 3 unit (18 bed, 9 bath multi family home).. will be inhabited mostly by college graduate students.. suggestions, advice recommentations are welcome.. also please advice me on contractors bidding process..

However, someone who owns an inhabitable property or a tired landlord might.

I understand her frustration, but I view her issues as inconveniences, not an inhabitability issue.

LOL. not when your dealing with other humans inhabiting your asset.  

The house is deemed inhabitable.