Laws, taxes, insurance, adventure, new challenge, grow skills, etc. 

The properties in OK, which are roughly 30-40% smaller than my personal residence are only about $400-$600 cheaper than my FL insurance.

That way you wouldn't need an extra policy.

Most Florida markets will share some dynamics though like taxes and insurance. 

Plus by going with you, they won't have the benefit of an agent's errors and omissions insurance, the support of their brokerage, and the experience an agent has in protecting their clients from everything that can go wrong in real estate transactions.

This ensures a clean transition of ownership and responsibility for insurance purposes.

On top of that, depending on the severity of the structural issues, you will also likely run into problems getting insurance on the property or wind up needing to purchase very expensive insurance. 

Questions they will have is who is the owner, what experience do they have, is their key person insurance against them etc. 

Taylor sent multiple email inquiries to our insurance provider asking what risks their policy covered.

I feel sorry for the people losing everything in the fires , insurance will go up .But I wish I was the guy  driving this bulldozer ;t=162s