He also warned that with too many claims insurance carriers will drop you or you end up with a high risk policy and spend an insane amount on insurance.

Insurance for example, deductables and carriers will make that fee lower or higher.  

Another tip I heard from other BP member is to enlist the help of USPS mail carrier.

(Worth noting is the fact that conventional financing is generally considered the most lenient - FHA and VA requirements are even more restrictive)Your insurance carrier, in turn, will have their own requirements.

I still can't believe there isn't a carrier willing to write a comprehensive policy for this side of real estate.

Also, submit the claim to your insurance carrier right away.

Carriers generally reach out to a property owner when they need coverage in that area.

I've also had some success with using pre-foreclosure listings on zillow/realtor.com.Currently, I'm trying to network with Mail Carrier's and offer them a commission on referrals for abandoned properties in nice area's. 

Is there any knowledge of a carrier specializing in the 4 plex multi family line?

Just remember Doctor bills and Lawyers are both exensive.The carrier will need to be licensed to sell where the property is.