Can you opt out of an arbitration clause on a home warranty contract?

Only if the other party to the contract consents.

Is this a breach of contract or is this a normal practice for a business capital lender?

Typical. The vetting process spelled your doom.

What do I do what are my consumer rights and do I file suit

Difficult to win if no actual damages.

Is my contract legal, when the company was not insured or licensed in my state?

I suspect your contract requires you to pay for permits and fees. If it doesn't their attorney dropped the ball.

What laws can help my family in this situation ?

Move. No legal remedy will ever be a match for peace and quiet.

Can I open my own business in CA or I have to be a partner with US citizen ?

It appears as though my professional peers have answered this sufficiently

What countries allow you to choose the gender that you want to adopt? And does Korea allow non-Koreans to adopt?

No clue but interesting question to research Google about.

Can I close out the estate account or how should I proceed at this point?

In Missouri you are required to have an attorney for this specific reason I would encourage you to sit and discuss with him attorney before you...

Is it usual for probate attorney in FL to ask client in the retainer to agree to be bound by arbitration if fee dispute arises?

Yes. Avoid that attorney as all fees should be statutory.

You should sit and discuss this with a probate attorney.