But I went to the website and there's a lot of guru talk that's kind of a turn off to be honest.

@Matt Devincenzo From what I am seeing on the solar panel website, yes there is a UCC filing.

We offered and they accepted.

This happens periodically and could end up with you either accepting the same sub par returns on your REITS as your rental portfolio. 

Is the Only Way to Negotiate a Lower Price with Builders is to have a pain in the butt inspector find a laundry list of problems and meaningless in the grand scheme defects to compel them to cut their numbers to move to acceptance and closing?

Is it fraud , no they are telling you the cost up front , you accept or decline . 

You can learn everything for free through BiggerPockets and YouTube and you can find great investment properties and investment partners through websites like HigherCaps. 

Let her know what you know, that it's not acceptable, and tell her she can go the easy way or the hard way.

Both of these options "should" drive your premiums down a good amount, and hopefully to a more acceptable level. 

It may be a little too late since you accepted the insurance money already, but typically you would have a contractor in place (Ideally multiple quotes) before accepting the amount quoted to you by insurance.If your insurance company referred you this company though then after doing more research on them maybe they are the best option?