It is so difficult to predict all of those items.  

Once the build and/or remodel is completed, most policies predicate that you have 30-60 days to obtain regular insurance for the premises based on what type of occupancy it is; ie, if you are moving into the property, then you would get an HO (Homeowners policy), if it's a rental, then you would obtain Landlord policy or a Dwelling Policy to actually cover the building (since you own it, but not the contents, since presumably, the tenants should obtain renter's insurance to cover their items).

One item I'm running into is lots of calls, but little to no motivation.

My agent is great, but I also know its ALOT of work for him to put the items needed to have the companies quote it.  

@Chih Pih for item 2 I don't think the seller should have had to do anything.  

I look at the individual items on the credit report.

If the adjuster doesn't know when something was replaced, even though they are typically pretty good at estimating, you may not get as much to replace an item as you should.

Hi Mike,If you look under the Resources menu at the top of the page the last item is Hard Money Lenders.

Nick, There are some great places to buy those items here in the area.

One item that many property investors either fully embrace or completely ignore is the importance of which form is the liability coverage coming from.