I'm guessing my bank is wrong.

Items I look for are, does the flooring need to be replaced, do all appliances work, its is clean enough for the next group to move in or does it need extensive cleaning, what condition is the yard in, anything mechanically wrong (do the toilets flush, windows open, garage door work, locks and keys all work and so forth).You can bring a handy many with you if you have one that's cheap, if you are really concerned you can always hire a home inspector, but that's going to cost you 400-500$, and probably overkill.

Rich,I truly believe you would be willing to deal with those repercussions.But I'd bet many others are not as resource strong, and would be much less willing to deal with such.Also, the example I have does not get covered - I have not been wronged by the BP member mentioned above but I am aware of the wrongdoings.

It stated I would have received a notice if any wrongdoing occurred and would have 3 days to correct it.

( I dare you to find that wrong ).

In many cases its wrong doing by the QI, but this area seems to be ripe with fraudulent administrators.  

Medical coverage does not need any proof of wrongdoing on your part to kick in.

In the grand scheme of things, it doesn’t really matter since we’ll be getting married anyways, but just for peace of mind, or if something goes wrong, do you think it would be smarter to go with a HML so we are equally taking the risk financially?

Thoughts and ideas are greatly appreciated.It kind of sounds like this is your first deal, so instead of accusing the agent of wrong doing, look close at your own process.

I do not want to go and accuse anyone of any criminal wrongdoing, but with the facts that were presented to me, one of the parties I was dealing with did materially misrepresent events that transpired.