Did you hire a public insurance adjuster?

You have to screen the company to verify they hold the appropriate licenses, insurance, etc.

One thing every investor needs to be aware of: No real estate fund or syndication is FDIC insured.You may come across phrases like "the money is in an FDIC insured account," which only means the funds are held in a bank account, not under someone's mattress.

Our company has access to a 90% LTV cash out refinance loan for primary residences with no mortgage insurance.

Yes, you aren't taking advantage of the better financing options available for homeowners, but that's only one of many things to take into account when investing in real estate.California is also a really tough state to invest in; high prices, unfriendly to landlords, etc.

This is ok but being able to sell a property to a homeowner down the road has always yielded me the best profits.

Since this happened during the storm, you might also want to check your insurance coverage

insurance companies are also charging extra to cover ice machines. 

Does this seem reasonable ideally I could insure it for value vs rebuild cost?

Installation Costs and IncentivesAverage Cost: Residential solar systems typically cost between $15,000 to $25,000 before incentives for a 6kW system (suitable for an average home).Incentives: Illinois offers substantial incentives, including:Federal Tax Credit: A 30% federal tax credit applies to system costs.Illinois Shines Program: Provides Solar Renewable Energy Credits (SRECs) that homeowners can sell for additional income.Net Metering: You’ll receive credits for any excess energy your system produces, reducing your utility bill.2.