The initial payment that comes from the insurance carrier is called the ACV ("Actual Cash Value") and is a portion of the total replacement costs.

Then you inform them you no longer want messages to this phone number and you will be sending their number as abusive to the carriers.

Due to a number of issues very many Insurance Carriers are no longer writing coverage in FL. 

On further reflection I do not see how a carrier can deny a claim based on the fact that the mortgagee was not endorsed as an additional insured on the new buyer's policy. 

Some carriers will not write a Personal policy (most likely you are in a Dwelling Fire Policy) to an LLC or Trust.  

Now if you want to approach it from an accountant's perspective, a lawyer's perspective, an insurance carrier's perspective or a lender's perspective... that is your prerogative (all of which will have different stances whether a car is an asset by the way) - HOWEVER, if you are approaching it from an investor's stance NO, it most certainly is not an asset... but hey it does have value per your definition. 

This is why most lawsuits will not ask beyond what the insurance carrier will pay.

It's a duplex with pone unit rented to tenants on a one year lease and the second unit is the one I would like to rent as a rented as a mid- term (monthly) furnished rental.Valerie, with the lease terms as you describe them, most insurance carriers will write that as a traditional rental.   

Multiple companies came back stating that they had no carriers due to age and location of property.Small A frame home built in 1975 located 2 blocks from the beach (PCB). 4 point inspection and wind mitigation could not determine if roof was built to hurricane codes so I’m sure that didn’t help. 

Verizon is my current wireless carrier, and I would be using this setup in and around the Omaha, NE area.Thanks in advance!