That is illegal and may actually be criminal under state and federal law.

I am guessing this is common for the age of the house. 

I am aware of a large claim several years ago in Wears Valley where the insurance through VRBO actually paid the claim.

The drawings can go back and forth but the rater needs to be local to the property because in the end he will have to go verify what came out of the build and prepare a reconciliation showing the actual performance numbers post construction. 

I actually just finished this book on Audible and need an access code for the bonus.

This is more a B- class neighborhood.I plan on doing a remodel of the kitchen including new countertops, range and hood, refrigerator, microwave, dishwasher; the cabinets are actually in solid shape and hardwood so I would like to keep them, but they definitely need to be stained and will also be adding hardware on them.

I actually just posted a breakdown about this as it is a common question.

In terms of the actual *mortgage* county tax, if you google NYS Mortgage Tax rate form MT-15, you will find a several page document that will highlight your tax rate depending on which NYS county you're purchasing in. 

The property is actually worth much more now than it was when I owned the business because the lease has tremendous value.

Still never got a reply.I replied 10 days ago and never heard back which trends with exactly what I sent below, 10 days ago, about how bad the experience was.From 10 days ago via email to this same email:-----I actually did schedule a call and did not have a good experience.My call was with Matthew Seyoum on November 6th at 5:30.