Quote from @Randy Gutierrez:I don't know why people insist on comparing 2007 to 2022.

We feel like their negligence contributed to the situation and they're going to get nothing otherwise (if the city condemns/demolishes the homes), but they insist on the full amount.

Lenders will normally insist that you buy a policy that protects them. 

As a buyer I would insist on #1....too much risk for the buyer otherwise. 

If anything could get further damaged you may wish to insist they get rid of th ecat.

Most of them insist on 5 days (At least in my experience and my investors'.So far, I bought four houses cash and I've been to non of the inspections.

If you insist, then ask What are the condition of the reserves?

Real estate agents sometimes insist that a bedroom contain a closet, but that may not be an actual legal or code requirement in your area. 

My favorites are the ads where the seller insists on a "cash only" deal, because they need to sell quickly, but their asking is either at market or only slightly below that  And then the ad sits there for a few months. 

I insisted on using a local title company.