Hey Paul,There are carriers and Programs that offer coverage while a property is in the rehab phase, without a "full blown" Builders Risk policy.

If damage to this section of the roof is covered by your respective insurance policies, your insurance carriers will work together to pay for the cost of repair less deductibles.

., do you run into the same problems as Florida (insurance carriers stop doing business in the whole state, high rates, problems insuring "old" properties)?

We have to let the insurance carrier know the bank has an interest in the property.

Your insurance carrier will defend you and your defense costs, court costs, bond fees, etc are paid outside of your liability limit (they don't take away from that pot of money being available for payment if needed).

PS: Did you know that the Post Office can remove anything they find in your mailbox that wasn't put there by their carriers? 

They have all the major title insurance carriers, including Old Republic.

It depends on the carrier that you are written with.

Renewing with the same carrier or switching to a new company at renewal time does not result in the loss of prior acts coverage as long as the renewal or switch to the new carrier is completed before the date the policy expires.

I only stated this very specific segment because I am employed with a carrier and she could focus on all carriers to get off the ground.