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

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

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

Problem here the tenant didn’t declare cats as pets.She ruined the unit in one full year and it took more than $11,000 to replace full floors in two level townhouse plus other water leaks damage.tenant left without telling.Now I am asking property management must visit quarterly to catch damages early on.Ozone machines did not help much.thanks

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.

I have a property in Florida where the HOA is responsible for maintenance and repair of all parts of the building outside of my unit walls, including the roof.

(New roof, paint, etc) and proceeds even if we paid capital gains taxes could pay down other properties debt including adjustable HELOCS which would double our annual income but of course we would lose a door. 1 property is currently vacant and I anticipate at least $10k to refresh including new gutters.