Not a housing issue, but related. Several years of digging and it horrifies me to find out the depth of what is egregiously inhuman that is legal. I found out pretty quickly (2–3yrs of letter writing with specific requests I guess is quick with gov, right?) that all of what insurance companies and the ODI does is entirely legal. It’s the actual laws that are flawed. It is exhausting! Hiring a lawyer in light of that seems like burning money.