There are many tax accountants on Bigger Pockets that can help you with your situation. 

Bigger Pockets is a great place to find a tax accountant specializing in real estate taxation.

Quote from @Andy Wang: Hi bigger pocket,Hope someone can help with insights on the situation.

Loss of Use / Loss of Rents: Normally, there is a 20% included limit.

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More glasses, plates, bowels etc.You need bigger pans as well.

Try to put a bigger down payment in than you might need to give yourself some breathing room.2.

Do we branch out of our area and try to do bigger deals now?

The way I interpret the following policy clause is that so long as the property is defined as other than "VACANT" which is the case when the property is being "constructed, altered or repaired", the 30-day time period and vacant status does not apply in this instance: We do not insure any loss at your premises if your dwelling has been vacant for more than 30 consecutive days immediately before the loss and the declaration page indicates an occupancy other than “VACANT“.

I see this is your first post, welcome to Bigger Pockets!