I read many times on BP that LLC does not really protect from liability and all one needs is a liability & umbrella insurance policies.

I just always cringe when I see short, simple news stories on what one or two policies will either supercharge the economy or crash it in the next year or two.

You may be able to rewrite the policy based on the new map.  

You might just tell them that it is your policy not to install because of the maintenance that comes with them.

I am talking 1,000 difference in the annual policy.

That is usually a sign that the seller is a bank, and for some banks that is standard policy whether there is trouble with plumbing or not.

Yeah, dumbass, well code changes every few years and is often pretty questionable itself - stuff done by committee. ust because something isn't to the latest code doesn't mean it isn't safe.

Their expense, helps CYA for things that are their issueAnother layer: umbrella policy.

While the Court recognized disparate-impact liability, the Court limited its scope in order to ensure that housing authorities and housing developers could still maintain a policy that serves a legitimate business interest.

If you have proof, stand by your charges and your lease agreement which should clearly state security deposit refund policy.