One additional question, if you have any claimed in the past is it retroactive? 

Do we all claim it on our tax form for the full amount?

Or you can hire an attorney and attempt to evict just her but that can be tough to do if she fights and claims her parents invited her in.

Hi all,We just backed out of purchasing our first investment property as it needed a new roof (per the property inspector and 3 roofers) and he refused to submit an insurance claim (saying the roof has 10 more years...). 

My agent says that the 3 million limit is enough to cause the insurance company to defend any claim vigorously.BTW, I have 4 umbrella policies. 1 for each LLC that has more than 10 properties.

Part 1 of 5: What is a Deductible Buy-Down ProgramDeductible Buy-Down programs are insurance policies a business/real estate investor can implement in their protection plan to lower the amount of deductible they have to pay when there is a claim made.These are policies which are in addition to the normal coverage plan (property, liability, auto, umbrella, cyber, etc.)Part 2 of 5: How Buy-Down Programs WorkThey are one of many ways a person/business can implement alternative insurance protection.Buy-Downs are added to protection plans to lower out of pocket expenses for the insured at the time of loss (a claim)Example of how a Buy-Down program works:You have a commercial property portfolio.Its insurance policy has a deductible and a premium.

Some allow you to quick claim deed to an LLC after the fact without enacting the due on sale clauses.  

We had two cancellations today, claiming as a result of the CV, for stays coming up in a few days. 

TBH I've never had real issues, and even if I did (unless of total loss) I would NEVER file a claim.

My phone was in my left rear pocket and the case took the screw that claimed my pants saving my tooshie.