Well, I think I've seen it all now - perhaps you all have already seen this stuff in your area. A Florida law firm is advertising that they can "save your home" if you come to them at "no charge" and order a forensic appraisal review on the appraisal of your home that influenced you to borrow so much money. It doesn't actually state that appraisers have insurance, but the implication is there. They are offering this as an alternative to help avoid foreclosure and short sale. I saw the ad first last night and will try to pay even more attention the next time I see it, since they were partially into the ad before my head snapped around. Is this happening all across the country?