However, he barely mention Index Universal Life, if only to denigrate them as he explain he does not have enough experience with them.

The insurance adjuster will determine the replacement cost at the time of a claim so lying about the characteristics of your building doesn't do any good.The best way to get around this issue is the agreed value endorsement.

I am no expert on flooring but that sounds like its barely enough for the material?

Lots of nice barely used appliances on there for CHEAP. 

They make money by not paying out on claims, or paying the bare minimum.

I don't think significantly well to bare this risk, but that's your call.

A 4.5% move on a 40 P/E growth stock that had run up 40% in the preceeding 3 months is barely a footnote these days.Everyone just has such a desire to see failure out of the hand that feeds them they'll rush to the keyboard to make a mountain out of less than a mole hill. 

Even if you count it all she does not qualify or barely does.

However, the property only barely cash flows.

I would attend the locally meeting.Fccusing on these three items below with local folks.Building Relationships Creating a Trust Factor Then doing Business Hope that helps bare with my spelling and grammar it 530 am here in CharlotteAlex