Again even if you have great credit as you start to add more credit cards, mortgages, auto loans to your credit you can also be viewed as "High risk" due to Excessive trade lines in credit or higher DTI - debt to income ratios. 

None of those areas have excess housing.I question if housing is going to see a boost in value over the near term due to not having enough housing to accommodate the displaced fire victims.  

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

Home went to tax sale county kept excess proceeds.

The moisture issue and structural issue need to be addressed and you can do so before the insurance adjuster comes out.

California charges a minimum tax of $800 a year per LLC, and more if you have gross receipts in excess of $250k.

You're best bet is to call a few brokers local to the area and see what they can come up with.It's definitely going to be a surplus or excess carrier that will do it and the premiums will be high. 

From the top of my head - mildew, moisture buildup, dust, structural cracks...

It’s cash flowing about $50/month after everything (PITI, flood insurance, home warranty, excess liability & termite protection) - if I got ride of termite it would cash flow $125.

If so, I don’t think this request is excessive at all.