on top of that more than a few forest fires have been started by those trying to burn yellow jacket nest from the eaves. 

I routinely sell properties in Berwyn, Cicero and Forest Park that hit anywhere from 1.2-1.5%.

I flip fire damaged houses and own a fire damage restoration company.There is a lot that I can't say without seeing more details.  

What if a someone is hurt or killed in a fire or accident, just make sure you're covered, maybe talk to the agent. 

End of the day, figure out what you want to do, point your arrows and fire away.

That will add $275/year for a 1M policy.I strongly feel that USAA would cover a property damage claim due to storm, fire, etc.

We had locks on our bedroom doors till a child accidentally locked himself in and the parents freaked and called the fire department who proceeded to smash the door in. 

Have an attorney who will fire off a letter to the contractor telling him about the notes you agreed to accept during your conversation and your attorney will add some more sweet threats.Your other options are to wait, be miserable and be at the mercy of your contractor, or file a complaint with your state contractors license board.

I’m an agent in Lubbock, TX & work with a few investors who fired previous agents due to not meshing well with that.

You're playing with fire man.