@Joe Splitrock   off to a new state they go  :)when I was running my HML shop I used an accurant product that was a fraud detection worked like a charm put in info they fill in on app.. if public records and utl bills don't jive you get a red flag back took about 60 seconds to compute. 

The DP3 product should cover this type of loss unless the policy specifically excludes it. 

I suspect in your hardwood territory you don't replantunless your in Pine   production forests like you see all over LA MS GA FLA

I want to partner up, or find a team that is productive, organized, and professional.

I'm not sure I like their every 5 year reset product.

HD doesn't give the 10% off the top, it's based on the product purchased.For example I purchased about 400 8' 2X4s and got NOTHING for flashing the trusty ID.

You want to have the best product for the best price philosophy.  

I would guess that you went to a fairly large bank to apply for this product.  

But there must have been an intent to hold for productive use in trade business or for investment.  

It never hurts to compete for better products, and moments like these offer great excuse to talk to someone else about what they might be able to do for you!