This was a rough winter so that came to mind.I also had a wax ring go bad recently, but I think this volume of water would be visible.I hope that helps.

It has been especially intriguing to me since my partner and I handle a large volume of foreclosures and I get to see all of the post-foreclosure steps, but never really see the pre-foreclosure steps.

Do you guarantee this high volume?

The fussier you get with the criteria, the better the quality but the lower the volume.

Like you I have seen my fair share of litigation over the years and one thing is absolutely certain.. is you will be named in the action.. no matter what LLC trust etc you have it in.. and unless you have multiple arms length partners in these assets the plaintiffs lawyer will take the position that these are just alter ego's etc.. at the Very least you will spend mucho dollars trying to get the personal names removed.So to me personally the liability policy is a sleep well necessity.. now it seems you are focused on cost and your portfolio which is not very big and your only talking about 1k a month not sure what the heart burn is there its just another expense.. would you be happy or think you were getting value if it was just 750 a month..

Maintenance costs would also be dramatically lower with large amounts of volume.

The #1 key to success is volume of leads and your ability to convert them to deals, or none of the other stuff even matters.  

Might search a thread on BP; Profits in non-profits.I've had heartburn as well over the mega boys playing both ends of the field, causing the problems then coming in the back door cleaning up  the mess at a greater profit.This should slow the game down.   

There is no need to be so harsh on those working hard to make decent money on volume of whole sales outside CA.    

We need municipalities to reduce fees to pre-recession levels now that they are getting volume.