I am a self-employed contracted mail carrier for the USPS.

Shop around to see where you can get the coverage you want at the price you want . . . we have done well with Steadily as they shop carriers and can get what you want for the specific situation you are in. 

My only clarification would be is that the adjuster identifies damage the carrier is willing to pay for repairs.

Your dealing with the wrong carriers. 

Ultimately if you have proper insurance, 99.9% of plaintiff's attorneys are going to be most focused on securing the insurance carrier's cooperation because the plaintiff's attorney is most likely representing their client on a contingent basis and the insurance proceeds are how they are compensated.

I am working with our attorney and insurance carrier to be sure I make the right choice.  

There are a variety of carriers that will do this sort of risk however there are several options.

@Miranda LeMaster yes, those are both carriers who's main focus is Home & Auto. 

LTR but mostly in what policies/carriers are available to you rather than a specific surcharge as I mentioned in my reply above.

Hi Owen,There are a handful of carriers in FL that write short term rental insurance.