It is basically a new house except the roof, which is metal and does not leak).

Insurance is getting more and more expensive with renewals doubling or even tripling in some cases.Insurance companies will issue notices to quit if they see stains on your roof from google earth. 

So I’m in a bit of a bind, I have a duplex I’m house hacking we remodeled entire thing, new hvac, electric panels, electric main, updated plumbing, water heaters, furnace, install central air, roof.

If the roof needs to be replaced, who pays?

HOAs are including the roofing, snow removal and trash rest will be on me.

In the old days, grandpa would buy the shingles and spend his week of vacation from the factory replacing the roof when it was needed.

Kill 2 birds with 1 check, reinvigorating areas and creating the growth and expansion that feeds not only housing needs but with all the ancillary things one needs to have along with a roof over the head. 

Asking price: $399kRehab: $65kARV: 570k The roof was replaced in 2024, the water heater in 2019, HVAC in 2019.The house looks to be in good condition..., but will need some cosmetic repairs. 

With everything under one roof, you’ll have a clearer understanding of your premium structure and less volatility in terms of price changes.

I have a new builder now, but because the roof is already on and it is 80-90% complete, I can't find anyone who will write a builder's risk policy for it.