There are a few carriers that will still write the sinkhole endorsement without an inspection though.

Thank you @Ryan Carriere.

@Greg Carrier sorry about this hard time and thanks for sharing it with the community.

Behind the scenes it should be an HO-6 policy but the company and agent will probably call it something else that is particular to that carrier.

Panels in closets are also not to code or accepted by our insurance carriers.

I am NOT an attorney and this is not legal advice.The first thing that comes to mind is...you were not the owner at the time of loss (aka no insurable interest) so the insurance carrier for the unit owner above will probably deny your claim just for that and if they are feeling generous tell you to have the previous owner file a claim.

@Brandon Carriere Thanks for the response!

Search the differences if you don't already know what they are, and no offense, but I suspect that you'd don't know the differences if you're asking to be listed as an Additional Insured.Secondly, unless your tenant provides your mailing address when setting up the policy, the insurance carrier will use the tenants address as the mailing address for the notices.

Many confuse that with the 3-day notice.Non-legal points:Uncertain of your method, but FedEx or other carrier is preferred over regular 1st class for making sure mail is delivered.

@Jeff Meitler As @Brandon Carriere mentioned, the rents in Madison just don't correspond with prices as you might expect for a Midwest town.