While there are the more obvious expenses such as utilities and insurance, do appraisers add additional ones that they subjectively determine should be included, such as cap-ex? 

Pay someone to do the repairs properly who is insured. 

He gave me his insurance, but denied everything.

I'm looking to save money on property insurance and wanted to run an idea past the community.

I am an insurance agency  owner and investor from central PA...

I feel like I might be getting hosed on my property insurance. 

A new policy has been implemented so my attorney and the bank has made it clear that the next thing before funding can be fully carried out is to have the loan insured in your name, the reason for the loan insurance is to protect you against any future lapses or default from your end to make repayment on time, the loan insurance policy need to be obtained in order to get funds across to you and the fee to have the loan insured is $3000 and the process will be completed before 24 hours.You need to make this payment today so we can finalize the loan later today.I await your response ASAP so we can proceed with the loan transaction.Note: The insurance fee is 100% refunded at the point of funding and you are expected to receive the insurance fee to be added to the loan amount at the point of funding (a total sum of $178,000.00 as against $175,000.00."

Hello,I am looking for a landlord policy that covers replacement cost on the roof?Any suggestions will be greatly appreciated.

Hoping the bank can transfer current loan and mortgage directly to me without any additional stipulations.She would then pay me rent equal to the mortgage and we would work out a payment for insurance and taxes.I would then have all the benefits of a rental house.

This will cover a insurance increase as well as compensate you for this risk of having the dog as a tenant.