Urea Formaldehyde Foam Insulation is a type of insulation, which was blown into wall cavities of outside walls. New installation was banned in 1979. You must account for all funds held in escrow and not commingle them with your operating accounts. Any interest earned must be paid to the agreed party, and if there is no agreement then interest should follow the principal of the deposit. If you are a salesperson make sure each year that your office has renewed its policy and will cover claims against you.
Riders are generally available which cover defense costs of any discrimination claim.
Vehicles used to transport customers should be adequately insured and equipped with child safe seats. Each office should establish internal procedures to ensure that all customers are treated fairly and shown all available properties which meet their criteria. While certain discrimination laws have exemptions for owner-occupied two family houses, this exemption does not apply to brokers. Each office must post federal and state posters. Each office should develop a record retention policy to ensure that records are retained and available.