( Umbrella)  So, if you had a claim/judgement on your car, for example, and the judgement was for an amount higher then the policy limit, the umbrella policy will kick in the rest. 

I can think of a lot of funny responses to this statement but know this "it is the title company that decides if a property is insurable, no one else"Only they will tell you what you want to know if that particular quit claim deed is insurable.

They also claim move-in fees avoid court disputes.

Potentially becomes an extortion issue if you hire an agent to list and sell.That's quite a claim. 

:We have some who claim certain people can't get ahead because of racism, sexism, or whatever "ism" you want to name.

its a Quit claim deed but many get confused and call it different names.. we all learn

You must work at least 750 hours per year in a qualified RE business.So most people who have high-earning W-2 jobs outside of real estate won't qualify.But the unique thing about RE pro status is that even if you don’t qualify but your spouse does, you can both file jointly and claim the losses from your RE investments to offset your other active income together.It's an incredibly powerful benefit if you do meet the criteria.

Even a small claims court option might help you recover some damages later on.It’s definitely a tough situation, but focusing on getting a clear bid for the remaining work and being upfront with your lender could provide the best path forward.Wishing you the best with this—stay strong!

Same with food and claiming we need to produce more food.

An insurance broker explained this to me in the past as the law of  large numbers which suggests if a a carrier has significant enough exposure in a market the probability of claims arising will be more consistent with probabilities calculated in their underwriting than a when a smaller sample size were to exist.