Make a phone call to seller telling them you think their insurance might cover the loss and that you will be sending a demand letter with the hope and expectation they would forward it to their insurance carrier to cover the loss. 

@Travis TannahillThe biggest warning flag I noted was your comment "50% of county appraisal".  

This person said they would flag us as "scamers" and that we must be "phishing". 

The prob is the cash situation and if any red flags raise from the transaction of me getting the property.

Also flags work for good attention getters.. 

Hi all,i'm looking to start my buy and hold strategy on multis.  as i am starting off , i need to build a solid foundation so i don't get taken out of the investing game early.  i know buying a home isn't just putting...

It sounded to me like all 3 would be not only at fault, but even the employee could be flagged for SAR and have difficulty getting a future mortgage, or worse.  

If you see something that throws up a red flag, or an unkown, you can either get a formal inspection or just pass on the deal.  

I have access to about 25 carriers and I have no doubt one would be able to write coverage for you.  

Finally regarding using two different companies I would say definitely save the extra cash for sure because to be quite frank typical agents (NOT ALL AGENTS MIND YOU) are great at either PERSONAL LINES or COMMERCIAL LINES very few do both well and honestly its the same for the companies that actually issue the policies, most large commercial carriers policies are superior to a business policy of a company that writes mostly auto and homes and vice versa.