Every couple of months, I get a call from a realtor, an insurance agent, or a mortgage loan officer. The stories are variations on a theme; they have a client that’s trying to buy a home but there’s one little issue that’s threatening to derail the close. Usually these gotchas present themselves when the home buyer has found their dream home only to discover their current insurer is unable to insure it. This usually is not discovered until two weeks or less before the scheduled close and creates a mad scramble to find insurance for the buyer’s dream home. They call me.