signed papers on jan. 23 for purchase of home-escrow was opened and appraisl was done on jan 27 -2010 at witch time i was told i would need flood ins. cancelled purchase but was charged 450.oo $ for appraisl. I feel this is unjust as i feel they should inform buyer at time of signing perers- there own turnkey witch states transferor must disclose the requirement of obtaining flood ins.to the buyer in writing with no exemtions. this was not received until after appraisal was completed. have bid on severl homes, but paper work... read full review »