Talk to you regular carrier (e.g.

1.Why do different brokers quote different rates, different dwelling values with the same carrier?

Some of those coverages you listed above would not be "required", it can vary insurance carrier to carrier as an example, some may automatically give you dwelling extensions/extra replacement cost as a part of policy.

The letter carrier left a notice for them that an attempt was made.

So if your insurance carrier feels that you are not carrying the correct classification for your employees, they could force you to switch or drop you, but they have no authority to impose fines.

And or make a claim to his E and O carrier ..

Kept both policies with the same insurance carrier to simplify things.

Insurance carriers use a calculator that in short looks current market prices for materials and labor and then calculates the reconstruction cost of your home based.

Lead Sherpa is blocked by a couple of carriers.

My current insurance provider for the FL property has dropped my water damage coverage last year (no explanation provided), so this year I found a carrier that would provide the water damage coverage.