I manage my own properties and I feel like she is either misinterpreting a different law or Is simply wrong about that but I can’t find anything online to confirm or deny.  

Central Florida and Florida in general over the last 10 years saw a lot of bad actors in the roofing and insurance adjusting space promising homeowners they could get them a free roof if they would assign their benefits to them and then filing roof damage claims after any kind of storm event and if the insurance companies denied the claim then filing lawsuits.

Sounds like seller is not really cooperating, or they were denied.

If you have a claim it may be denied if the insurance company finds out its leased and you only have homeowners.

@Dan DeMott I did use rentprep and I want to deny them based on info that I got from credit report.

Potentially you could come back in 4 months and try again with some success as some lender will go with just 12-18 months of stable/increasing income.I am having hard time picturing someone with these qualifications being denied by someone because of a small gap, but rules are rules I guess.

They immediately had a restoration company take care of the issue, but then their insurance company denied the claim because the electric was not on.

Just seems like it is harder to deny a person then a faceless investor.

How can someone just live there pretty much rent free and deny the bank a showing? 

-Denis