Find a good agent who can write a vacant/builder's risk policy, then during the refinance have them switch to a landlord/fire dwelling 

It occurred to me today that I've never asked about umbrella insurance claims.I’m particularly interested in real-world examples where this type of policy came through during:Property damage (fires, storms, floods, etc.)Liability claims involving tenants or third partiesMajor unforeseen eventsIf you’ve ever had to file a claim and your umbrella policy saved your bacon, I’d love to hear:What happened?

Here's a blog I wrote about H.S.A.s invested in alternative assets Financial Independence Retire Early - Achieve FIRE Faster with a Self-Directed HSA- https://udirectira.com/achieve-fire-faster-with-a-self-direc...

I am getting started in real estate investing soon, and I want to plan for the best course of action.

Worrying everyday about getting fired for something out of your control?

It's been quite a poor experience for many of the same reasons mentioned above and we're firing them after 1 year as our PM. 

Simply fire them and hire someone else.

If it is built from scratch with a full fire box, then most types of wood can be burned.  

Do you see any new rental property up in the market has increased rent since L.A. fire issue?

Where there’s smoke, there’s fire.