I mail merge with a printed letter on letter head and address the envelopes with a custom font thru my Brother printer. 

It’s the capital with lots of state jobs and state, ahem, “supporting” jobs and companies so everything is mean reverting including unemployment (good), property values (bad for REI), economic busts (good), economic booms (bad), cost of living (good).In fact, maybe the greatest feature of SC PA is that it’s Metropolitan but still mostly suburban and the COL is low enough that you can escape a dozen weeks a year to other places like Hilton Head, Vail and Wailea.

Will call insurance agent Monday morning just to give him a heads up.

@Sean Bell call and make an appointment with a local civil engineer.. they will know most of this stuff off the top of their head.. then you have land planning companies..once you get an idea you contact local planning for a pre app.. then go from there.but don't waste the civil's time is you don't have the means to develop.. 

Should we leave it alone or give him a heads up that the notice is there?

Eventually (hopefully sooner than later), I'd like to use OPM, but I'm still learning and wrapping my head around the process.

If it's indeed the head/start of a creek, and not a swimming pool issue, should I be concerned?

Love where your head is at here.  

I have a rough guess in my head at any one time though.

So question,, I'm thinking of giving my insurance company a heads up.. or should I wait..My tenant broke his leg needed surgery and plate put in...