My insurance company stated they will not be renewing my property insurance policy due to my flat roof.

How do you identify an agent that has successfully negotiated steep discounts on New Builds in the Orlando/Daytona Beach area? 

They needed a new roof and the guy quoted my friend over 4x what it should cost. 

not needing a roof and an HVAC system and maybe some electrical and maybe other things.

But the learning curve is steep and I'm years ahead of you...I have systems in place to deal with this stuff that will take you years to develop yourself.

We don't require a contract for each door unless it is set up as a condo. 1 months' rent is a little steep but it will depend on the local commission structure.

Thank you would it cost more then 200,000 to just do the basics like, insulation, electric, roof and plumbing?

For saving a couple of hundred dollars a year we gain the "privilege" pay $1K-3K in general  deductible and $4K-6K in hail/wind deductible (and likely 80% of the cost of a new roof here in TX).

Reno consisted of gutting and replacing the kitchen and bathrooms, replacing the floors, light fixtures, HVAC and roof.

Luckily, the brother left at the agreed on time and I was able to being the renovation.Reno consisted of gutting and replacing the kitchen and bathrooms, replacing the floors, light fixtures, HVAC and roof.