So I have a question, I have a property that has a main dwelling and  that has a carriage house (ADU) in the back it was my first property ever bought I was severely underinsured on the carriage house. Last month my n...

We're in real estate and will cross paths again eventually, doesn't seem to make any sense to burn a bridge. 

That value hasn't been realized, unless you refinance, or get secondary loans, and doesn't guarantee future value.Also burns me up when they pass a bill and say they know it is unconstitutional, but they'll let the courts sort it out.

Admittedly I am a tracker and love to analyze mundane things like burn down rates to predict when I need to bring more supplies to the property.  

And does your calculation take into consideration the fact that an entire town can burn down, and the only assistance the government will give you is a $700 gift card? 

Does anyone know of a list site that will provide targeted lists (that are not a scam) like:- Owners of houses who have owned thier homes for over 20 years (posssible repair problems so they might sell for less, or possible free and clear owners who might sell for terms)- Non-owner occupied (burned out landlords)Then one could do a direct mail campaign.

you won't be able to pull a permit. when someone lives in it and it doesn't have HVAC, plumbing, or electrical right and it burns down like another garage I tore down and someone lost their life in linden you'll get hit with a lawsuit. good luck. you'll also be the first person I've ever seen to get a second adu built in linden.

If it is mostly smoke damage to the interior it will be ok, but if the roof caught fire and burned away that's a whole different ball game.

Of particular interest are: Multi-Family Complexes, Medical & Industrial Parks, Warehouse & Storage Facilities, RV & Mobile Home Parks, Sale and Triple NNN lease backs, Agricultural and Timber investments. 

Some exclude short-term rentals and if that's in the fine print and your home burns or is damaged in a storm, it's not covered because you acted outside the policy limitations.