If you bought title insurance you can make a claim to the insurance carrier.

The Carrier is guaranteeing you certain things will happen if you pay into a policy. 

Generally if the carrier is able to subrogate, the claim, although put in by you, will affect you significantly less than if they were unable to subrogate.

In my opinion, the best way to put yourself in a great position is find a broker who can shop mutliple carriers. 

I'm also an US Navy veteran, having served four years aboard the US aircraft carrier Dwight D Eisenhower.

Some insurance carriers will have different policies that do not cover contents since the contents are mostly the renters, speak with your insurance agent about coverage options.There are 15% down DSCR financing options.

I see it as a valuable learning tool and resource to jump start my real este investing carrier.

I think it is time to contact your liability insurance carrier.

You need to shop carriers, this is a non issue.

I'd send an email to my agent notifying him of the change in risk and keep that email as evidence that I notified the carrier in the event of a claim.