Termite tenting and re-roofing definitely don't take a month.For the roof, you can probably do the work while the tenants inhabit the building.For the termite tenting, you can put your tenants in a hotel for 2-3 nights.

**I do not believe NC considers a non-functioning air conditioner as a property being inhabitable (please consult a lawyer and North Carolina tenant-landlord laws.) 

Hurricane Laura hit and at least 32 of the 70 trailers are not inhabitable (beyond repair) I cannot find/locate the owners of these trailers (I’ve emailed, telephoned) with no response.

They're nothing that makes the place inhabitable.

The city has an inspector go into the property and do a detailed write-up of all the items needed to make the property inhabitable, It's supposed to be the minimum needed, but some inspectors mention every single thing.

Most only loan on properties in habitable condition.

Are you saying they would nuke the very soil they intend to inhabit afterwards?

Apparently, the damage is substantial that the unit is inhabitable.

Also, make sure you enjoy the reno/construction part otherwise you'll hate the whole process.The second house was a HUD foreclosure which wasn't inhabitable at purchase.

As long as you have police reports, fire report, documentation etc you have time to work out the claim (I believe 2 years even after your policy is cancelled).Secondly I would start reaching out to insurance brokers who specialize in habitational.