Last year one of our lenders would not lend to new customers or customers who have never did a commercial loan with them.  

I don't think I could justify custom cabinets for a $1500 rental. 

All interest rates and payment plans are custom made to work for both parties therefor creating a win win scenario.As far as partnering with the banks goes.

That said, we have not made a claim up until the fire. 2.

I know out here on the West coast with our digitalized title plants that each title company has it would be a matter of a few clicks for customer service department to transmit a copy of the mortgage to me..

But then we have to get into talking about the passive loss rules, which may prevent you from actually being able to claim a tax loss if the deduction is more than your rental or other passive income.Or you can claim the actual expenses (gas, insurance, etc) for the vehicle and regular depreciation, proportioned by the percent of business use of the vehicle.  

Los Angeles County continues to grapple with devastating wildfires that have claimed five lives, destroyed over 2,000 structures and forced the evacuation of at least 130,000 residents.

I'm sure they also told you their systems will protect against aggressive attorneys and creditors and make you invisible so nobody will ever dare file a claim against you...it's all a money grab.If you are a sole proprietor I am putting my money on the fact a single member LLC in the state in which you live/own real estate will suffice.

Do they offer to help you collect or file a claim against them?

I heard but don't know the veracity of this claim, However FLA suffers from a lot of fraudulent claims there by also causing rates to be higher..