The accounts typically have to be registered with the state governing body and should be trust accounts, not just ordinary personal/business bank accounts.None of this sounds right. 

@Axel Meierhoefer I've actually been holding off on that as long as humanly possible since I only get 5 shots on it and I'm still a penny pinching cheapskate (working on it though).

What they want is just some living human being that they can reach to see where the owner is.

This is critical if you are near any body of water...creek, stream, pond, lake, ocean, whatever.

Or the dream where you are falling and all of a sudden your body jerks itself away.  

.* Basically, if the governing body (city of county) states that the property can be rebuilt as it is, in the case of an "act of god," then it sounds like the appraiser should amend, clarify or correct their statement in the appraisal.

My presence I think was enough from their body language.

I do struggle balancing human element with black and white rules  

Join habitat for humanity.

I.e rough inspection .... generally unless your doing a very large job there shouldn’t really be a need to pay a contractor a large amount of money for work that has not been completed yet.... and never ever pay a contractor in full before the job is done .... it’s human pshycology that once an incentive to finish something goes away the will to finish it goes away also.