The house was denied wind insurance from the current insurer due to the condition of the roof.

The instructors I follow generally advise you to ask the seller who has just denied your offer to invite them to counter.

But there's just no denying that it has gotten better over the years. 

My concerns are as follows:1) Insurance claim will take a bunch of time and they will deny it since they do not know the origin, when it occurred, etc. 2) In their review process, they will determine an 'overkill' level of damage that I will need to repair, and then deny the claim anyways for whatever reason.

Be careful about how you offer or deny housing.

The lender, not denying any of this, has verbally agreed to a discounted pay off if arranged quickly. 

However, one negative is that there is no way to deny or refund payments (as in, if a tenant tries to make only a partial payment).

He said an argument could be made that an out of state doctor is not valid, but we should not deny the animal unless we wanted to be a test case. 

And when the agent asks whodunnit, have your friend deny any knowledge of it...

She stated they denied the modification about 5 years ago.