Florida

Is it difficult to get insurance on flip houses? I called one agent pertaining to a rental property I was interested in purchasing. She was telling me that the home needs to pass a 4 point inspection prior to being insured. She had some other options that didn't require a 4 point, but they are for catastrophic type events. 

The house I'm thinking about purchasing has not been shingled. It just has underlayment. The contractor started and did not finish. The same thing with the repipe. Someone started and didn't finish. I'm wondering if this house would be hard to insure. I don't want to purchase it and then it burns down the next day.

Also, how would I handle the home inspection? He can't really test the plumbing. I'm not sure about the electrical. There were a lot of switches and other things removed. I was going to have a plumber come out and give me a quote on the finishing the repipe during the inspection period. 

The house is an REO. The weird thing is that the work was started in November. What are your thoughts on this? Why would the homeowner start all these major repairs knowing a foreclosure is looming. I checked into it and all this other houses are in foreclosure or have been foreclosed already. He was a property investor. The house I'm interested in was his homestead.