@Cynthia Pochatek did they give a reason they would not renew...We use American Modern for non-conforming or high risk properties ...one-off stuff...I think the bottom line is that you can get insurance from any carrier you want for the right price

Full reno, all new modern furnishings, added additional 400 sq ft heated space through single car garage conversion to rec space complete with glass garage door with views of mtns, large flat screen tv, bar area , foosball & darts What was the outcome?

Replace with PVC, but By "good way" I presume you mean good and cheaper than that.

We plan to have all of the windows replaced, have made upgrades throughout the home, and eventually add 1-2 more rooms in the partially finished basement.

Long-term goal: Appreciation is nice, but my goal is to generate cash flow that can eventually replace my salary. 

Most areas that are non conforming allow continued use or replacement use as long as property is not vacant more than 1 year.

This might be a stupid question... but did you replace the toilet? 

The roof was replaced completely in Nov 2020.

Yes, wood siding is more subject to moisture damage and rot, but you can pretty easily cut out a section yourself and (hopefully) replace it with an exact match.

- Replaced the front facade- Added a half bath downstairs (not typical for a bath on first floor of PHL homes)- Complete renovation of kitchen- Brand new HVAC throughout house- Semi-finished basement with sealed floors and painted floor joists- Added closets to second and third bedroom