With oil going negative and false positives from stimulus payouts, I expect we have not hit the bottom in any case.For each person, it is a judgement call however.

We had a big delay installing culverts, which stopped all other work because it rained everyday for about 40 days straight and the ground was extremely muddy.

Now if I feel they have assets, I will pursue a judgement.  

Insurance is going to be a judgement call, most people will get replacement cost, but shop around a policy that large and you might find someone giving you a deal.

Why did it take 3 weeks that Amazon rain-forest was on fire?

(old car scissor jacks from the junk yard, scraps of wood, cinder blocks, random rocks, etc...).While these will all work (for a time), when you go to sell the buyers inspectors seem to have some issue with them.So when it's time to level it again, it's probably best to go with a real company that's been in business for a while that you think may be able to back up their warranty.Also realize that once it's leveled at some point it will probably un-level again and again and again, because San Antonio has some very movable soil (from the rains and then drying out over and over).Good Luck!

So then I started listening to a lot of advise against my better judgement, and I wasted 3 months of my time.

If you're just doing them as rentals, that's not necessary (though check with your local planning)I don't mean to rain on your parade, but I'd hate to see you get in over your head.

That is a judgement call.

She will never pay you a dime and she doesn't care about a judgement - she's what they call a 'non-collectible'.