Fire-damaged property - need hazard insurance!

[Tim Silvers]

Just purchased a fire-damage property for rehab and am in desperate need of hazard insurance. I have 3 agents working on a builders risk policy, but so far the one I received a quote from is with Lloyd's of London via a surplus lines reinsuror and comes out to about $400 a month for 6 months of which 50% is fully earned. I expect the project to take about that time to get done.

My GC has liability insurance and I'm trying to find out if I could add builders risk to his policy and then just get regular insurance. Does anyone know?

It seems almost impossible to find even a BR policy that will take a property with a prior fire history.