You will need to narrow down the zip code or street a little more based on where you decide to purchase, but this gives you a good start.

I am wanting to purchase a condo in the St Pete Beach (preferable Treasure Island) market post hurricane(s).

It's very likely they saw the inside condition of the unit before you purchased it and they have the right to inspect.

My brother had access to the other $160K but ultimately purchased a 4-plex two months later using his own money instead.Currently, its written that if my brother doesn't use the funds then he gets 160k value from the estate extra, as I used my half already but then my dad suggested a 2% annual appreciation on that amount seems fair on the 160k for him, and now he believes it should match his home’s appreciation, which is roughly 5% per year.

If a policy excludes wind coverage (more common in places like Florida where insurance is severely strained by weather and other market conditions) then all wind related events are excluded.In those cases, it's sometimes possible to purchase a wind policy (usually covers wind & hail) which would provide tornado protection.

I purchased the property before my wife an I were married and only created the trust after my daughter was born.

I hope no one is using this to actually purchase property subject to.

I purchased a 3 family in Newark NJ in March of this year, and am curious about looking into this form of insurance as a way to further protect myself. 

Only the wholesaling act with no intention to purchase the home without a real estate license is in question.

One purchased in 2023 and one in 2024, both were rehab projects.