We don't rely on insurance, they love to deny.

Open a dedicated business bank account to separate personal and business finances, ensuring compliance and transparency.

I had replacement coverage insurance and received about 300K to restore the house.  

I have a couple insurance brokers that may be able to help.

Avoid basing it on uncontrollable factors like taxes or insurance.

I'm going to ask my insurance company.

I came across some critical information today that I think is important to share with you:In the aftermath of the LA fires, it has become evident that some homeowners’ insurance claims have been denied or disputed because the property title was held in a trust, but the insurance policy was under the individual homeowner’s name.This serves as a valuable reminder to review your insurance policies and ensure that the ownership structure on your property title matches the named insured on their policy.

its an insurance issue. not much else to do.. 

I have 2 rentals in SW FL- both have open insurance claims and a public adjuster is involved.My insurance policies renew April/May.

Insurance was really created for catastrophic events (fire, flood, etc) not for small claims.