This is a super boring, super amazing solving-people’s-problems path! 

@Ian Bollinger I'm in Lakewood Ranch.

Finding contractors in Florida after 2 hurricanes wont be easy or inexpensive 

Find a good realtor, close a deal with them and they will give you their contractor contacts.

Instead, an umbrella insurance policy may be a more cost-effective alternative for now.

This may take a month or two. 

These guys did this for over 20 years .. it was determined that they actually made less than 12 loans in the whole time bringing in Millions of dollars 10k at a time to small of an amount to sue over..

If not, then find a bank with a Commercial Loan officer. 

I was never even informed of this expense, I just keep a close eye on the ledger which is how I saw the expense.

I find each jurisdiction is different..