The Smart Downsize

In 2026, insurers don't knock to cancel your policy — drones and AI flag roofs 15+ years old before you know there's a problem. Federal Pacific panel? Two or more claims? Then the non-renewal letter arrives. You have 30–90 days to find coverage, or sell fast. A desperate seller is a discounted seller. The Smart Downsize keeps you in control with: the 30-Day Insurance Audit, Repair-vs-Sell Decision Tree, 90-Day Exit Timeline, capital gains strategy, lease-back playbook, and word-for-word family scripts. A rushed sale costs $30,000. This guide is $15. Don't wait for the letter — run the audit this weekend.