We have several flood carriers we work with that you might want to check out. 

We have been working diligently over the last 6 months to get a reinsurance carrier to back us in an instant product for landlords (Questionnaire to sign/bind/pay in 5 min or less) and I wanted to gauge everyones interest on this for all the end users of insruance (landlords, lenders, property management, and insurance brokers/agents) that would like a potential appointment.  

This will require a bit of a deep dive into the carrier and coverage.  

I just wrote one in CT that one of our carriers for $400,000 RC was $100 less than the next best rate which was based on $110,000 ACV for the same property.The second item that was confusing is what the payout will be.

I am an landscape painter and I paint in oils, although currently my W2 job is a mail carrier. 

You should see if your carrier offers it.

I've been with a major national carrier (bundled with everything) and I wonder if I'm paying too much.

If you have a future claim for the roof, the adjuster for the next claim will most likely request proof of work completed.If it is a claim related to wind, it is reviewed differently by the carriers compared to a water loss from inside the building.

It's expensive to refi just to get house into LLC, but worth it to me to not have to worry about the personal liability or even getting dragged into litigation and trying to get umbrella policy carrier to pay!

Some carriers, with a claim of total loss, will have their own contractor that they negotiate costs to rebuild with, and even then, if you opted to use your own contractor, the cost to rebuild will be relative to the labor and materials.