It comes down to material types, roof age, claim history for the property, claim history for surrounding properties, rolling catastrophies in the zip code, credit, loss history for the applicant, profitability for the other insurance companies in that area, age, marriage status, and many other tiny/annoying factors that us brokers cannot see. 

Your neighbor may be annoying and bothersome.

tough to know ...but  on a  scale of  1 to 10 ...I would  guess it  will be  8+  and probably  annoying for any occupant to contend with  

Your original offer should have considered the obvious and it is annoying when people don't  do this. 

But just to add some substance to my, and I think others’ annoyance, looking at your Facebook profile you had a post about your first client 9 months ago.

It was just so funny and patheticly bad, I couldn't help but laugh instead of being annoyed.

I suppose there must be some value in that, but man your guy's tactics are annoying to investors like me!

But it's annoying.

@Brian LideThe marketer in me hates saying this, but when I take the grey area into the ethics arena, I can't help but think that while we are not "selling" something, we are marketing to them and most sellers probably don't love getting a text message.It's not worth it to me to build a business if the world isn't a better place because of it, and sending out 5,000 texts to a list makes me think I'm doing more annoyance than good.

I was annoyed for a minute, then renovated + rented out and it's history.