i have found that Zillow is very accurate.

I understand that ultimately, the responsibility falls with me...but I also wanted to reach out and see if anyone has a perspective or strategic approach to rectifying this manner. 1) Connect pipe (50ft) - not overly concerned with this aspect. 2) Clean up and have restoration company undo the damage - mildly concerned and expect a few thousand dollars fee (who pays?)

The document clearly defines that the Second Party is responsible for contributing all monies needed to repair, maintain, advertise, market and any other expenses as well as the mortgage payments; whereas I, as the First Party, would just contribute the $12k.

My response would be to run the numbers. 

Sometimes though it is a response to a low interest rate enviorment, or higher demand. 

How connected and responsive the community is has been impressive to say the least.

@Kristina Heimstaedt Thanks for the response. 

I like Rip's response better.

Thank you all very much for your very rapid responses!

If you enage with OSC, their recommended insurer, OSC will send the notices then after the series is sent and waiting periods expire, with no response from the borrower, OSC will send you an invoice.