Per the Participation Agreement all insureds sign, we are a monthly reporting program and are required to provide a 30-day notice outlining any coverage or cost changes, which was sent via email.

I could not read the NYT article because you need a subscription, but I found another article that walks one through a numbers exercise of determining the true cost of owning versus renting Do you think this provides similar sound advice? 

Can provide my LinkedIn as proof. 

You may be able to reduce expenses through energy savings, appealing assessed values, shopping for utility providers, etc. 3.

Does the section 8 program provide any repair/replacement funds if house is trashed? 

The policy provides a limit for the Existing building based on Actual Cash Value (depreciated value). 

Could you please provide suggestions?

Shan, I might know someone in the area who could provide the services you're requesting.

A bit of rewording on your lease should cover you, but even with the current wording, it implies that the deposit is provided before the lease is signed"Roommate has to deliver to Landlord a deposit in the amount of seven hundred fifty dollars ($750) ("Initial Deposit") before move-in.

Obtain a cost segregation study.#4.