Sigh.
"...My sister thinks I should make him sign a waiver. But if he is a guest, won't my homeowners cover his lawsuits?"
What a sad reflection and classic sign of the times.
In all reality, it won't hurt to check with your homeowner insurance company first thing in the morning. Be sure to get the name and title of whomever gives you an answer.
Then call FEMA and Red Cross to see if your insurance company's answer is consistent.
It's always better to be safe than sorry.
PLEASE! STOP using the word "refugee"!
Definition:
ref·u·gee (rfy-j) n. One who flees in search of refuge, as in times of war, political oppression, or religious persecution.
That doesn't include disasters. They are EVACUEES!!
GOT IT???