The loss was damage to a roof from hail.

.) - I would approach the one you think would be the most amenable to having their mailing address used as a local contact.Alternatively, if you live close enough to the property where you fulfill these roles, I would appeal to the appropriate authorities with your situation, and explain to them that you understand the intent of that restriction, and that you fully intend to bear that responsibility even though your address is on the other side of a line some dude drew on a map many decades ago.A final "hail mary" might be that you set up a "Mailboxes Etc." post box or something similar. 

@Nicholas Davino-Draper another factor on ACV vs replacement cost value would be events where there isn't a total loss, example hail damage requiring replacing the roof for 15k.

Understand how they may apply after a loss, especially if you have a separate wind/hail/hurricane deductible.Flood & Earthquake - These are typical exclusions under the standard property policy. 

During inspections we found a sewer drain that needed to be relined, and a roof with hail damage, we worked with the seller to get these addressed prior to closing.

Eliminate hurricanes, snow, hail, tornadoes.

AE zone, you will probably have a heavy homeowners insurance bill with wind and hail.  

It is a place that caters to outdoor people for sure.Also, there was a huge hail storm that went through there today and there was a lot of damage.

If the property values in your market soften, if the tenant moves in and destroys it, fire, earthquakes, floods, hail, hurricane, another lock down requires you to keep a non-paying tenant - honestly anything - and my position in the property is at jeopardy.

@wesley thank man I will have them at least look into that as a hail mary.Personally, I said do NOT do this.