Insurance more than doubled after filing a couple claims!

[Cody F.]

We have a 41 unit apartment complex, and our insurance was about 12k per year for an ACV policy, but last year we were hit by a bad wind and hail storm which caused us to have to file a claim for the roofs and some AC units.  Totol payout came to 38k after depreciation and deductible. We also had an apartment flood, caused by a tenant. It flooded the whole builiding with 4 apartments in it. So I had to make a claim on that.  Then a drunk driver ran into that same building and didn't have insurance. The insurance company paid out 8100 for the water damage and 5200 for the building that was drove into. 

Total payout was 51,300.  So that company sent me a non renewal letter stating that I would no longer be eligible for coverage with them. 

Now after scouring high and low for coverage, I am getting offers for coverage at 24k per year and 30k per year. Most places won't even offer coverage. How is this right? I had to make claims that I couldn't avoid, and now my coverage is unbearably high! We weren't cashflowing that much to begin with, now Insurance is going to take all of that. I'm not going to be a landlord for free. 

What am I supposed to do? We're in a low income market, our rents are less than 500 average per month. I'm being squeezed here and I'm not sure what to do. I would've been better off setting aside cashflow myself to cover damage to the buildings that trusting an insurance company to cover me! 

Any advice for insurance providers that could cover me or where to look would be greatly appreciated! Thank you in advance!