I have been denied other loans before in an attempt to consolidate my bad debt.

The good thing is that he isn't denying the damage and snow happened way after the leaves were done falling. 

Since you contacted the insurance company/adjuster even though a claim hasn't been paid or denied, there is a very good chance this will be seen as a claim on your insurance record so you may as well go forward with it guns blazing. 

@Jason Denis Eastern WA is much cheaper than most of the Seattle metro.

I’m concerned they would not view real estate as an appropriate purchase and deny purchases.

Tenant appealed and judge denied and then final judgement was entered against tenant.

@Michelle Herschend hit the nail on the head about drug abuse being one of the largest problems here.

The city will likely deny us. 

Insurance is a business so ultimately adjusters are going to look for ways to deny pay outs in certain situations.

American consumers and the regulatory bodies have learned nothing from their mistakes and once again you will be facing the very same abuse of credit.