I looked it up and it seems like you might be screwed either way, even people who had Flood Insurance are having claims denied because of the 2 storms having different types of damage.

Should I quit claim into one or more LLCs?

I would say try Facebook market local groups and other mid term rentals for people who are looking to stay for 3 to 6 months due to insurance claims.

I have had no major claims in 20 years and no losses since I have been in Florida since 1993. 

Keep in mind @Mario Morales that they take premiums, invest them so there is a profit component on invested returns, and hence amplifies how far the $ can spread on payouts. less than stellar returns and expanding claims, yes, rising premiums is a certainty. 

They probably had to come up with money to cover a lien claim or such, resulting in the charge. 

I actually just want the banks to get their $71k so that when I start probate on the bank accounts no one at all can claim any of the monies from the few bank accounts.

Currently we are working on 3 properties that we have hired an attorney with a title company to navigate through the taxes and who all may have claims to the property. 

  ( Umbrella)  So, if you had a claim/judgement on your car, for example, and the judgement was for an amount higher then the policy limit, the umbrella policy will kick in the rest. 

I can think of a lot of funny responses to this statement but know this "it is the title company that decides if a property is insurable, no one else"Only they will tell you what you want to know if that particular quit claim deed is insurable.