I would suggest getting estimates from a couple contractors familiar with fire repairs and comparing those with the estimate from your insurance carrier.

I spend a lot of time trying to help them get their carrier started and time is money so I think that is a far way to start out.

Refunds are sent to the mortgage company, and then the mortgage company pays the new carrier.

If you have not had any losses on this property get loss runs from your prior carriers showing that.  

What you'll need to do is basically find insurance for a vacant apartment building, and once everything is rented out, you switch it over to a regular commercial landlord policy.Edit: You can either do what I said above, or you can find an agent that deals with non-standard markets that will find you a carrier that is okay with the property being less than 80% occupied.

bank teller grocer child’s school teacher pest control technician air conditioning tech auto mechanic person in your office complex receptionist at your gym postal carrier gardener parking attendant computer tech Talking to Acquaintances Your acquaintances will not be as enthusiastic about referring people to you as your group of people who you know well.

I do not like post cards.Handwritten envelopes work best on the outside that look like from a friend.Letter carriers usually won't stuff in the junk insert like they do with postcards when delivering.

I drove the escape for a while while doing claims for an indiana insurance carrier.

I was also an ex-Navy working in nuke reactor/engineering department aboard two flat tops carrier, did stints in the private sector as defense contractor, engineer, consultant.

@Collin Schwartz there are a few niche insurance carriers who like these old buildings if the construction is joisted masonry, which it sounds like it is given the flat roof and age.