It said my personal umbrella and homeowner’s liability policies had been suspended as of twelve noon today.

The adjuster pointed to active third-party assault claims Harry Caldwell had filed against me on behalf of his nineteen-year-old son, Trent.

Without liability coverage, any injury on my property or any civil judgment against my deed would land squarely on my personal bank account.

My monthly pay as a corporate data auditor handled our mortgage, our groceries, and three hundred dollars in HOA dues, but it left nothing extra for fighting an uninsured title lawsuit.

I folded the insurance letter back along its creases and smoothed the blue paper flat with the heel of my hand.