Florida homeowner's insurance with no 4 point required?

[Elizabeth J Humphrey]

Anyone have any A rated companies that will insure a SFH in Florida without a 4 point inspection? Buying a vacant foreclosure that I am pretty sure it will not pass. If no insurance, will have to cancel contract as the lender requires insurance. Buying from Fannie Mae so no concessions allowed, like fixing things prior to closing to be able to pass the inspection.

[Wayne Brooks]

Get builders risk insurance, which is what you'll need if you're rehabbing anyway.  I assume you're not getting conventional financing, as if it won't pass a 4 point, you likely can't finance it regardless of insurance?