Many insurance carriers will insure the building with two policies - one for rental side, one for primary side. 

Most private carriers (flood insurance included) are continuing on with their normal operations so you shouldn't expect any changes.

Doesn't answer your question, but curious what carrier / agent you went with as I'm in escrow on a small multifamily in LA. 

When tech companies are creating this many features along side the carrier networks to make sure unwanted calls don't get through, MAYBE you should figure out how to just get people to call YOU.

Do you have a recommended insurance broker or carrier for these risks? 

I get blown up every day with AI/bot cold calls, cold texts, and cold emails, and I'm religious about reporting these as junk to the various carriers and email providers.

However, I turned over to my carrier the letter along with the contract between my entity and the general contractor, and the insurance certificates and endorsements from the general contractor and the framing contractor who each added my entity as additional insured.

Hey Jairus,This will typically depend on the insurance carrier and insurance form used to insure the property. 

The carrier usually views this as a maintenance issue since most times busted pipes in your yard don't cause damage to your home/rental building.#2.

I would base your choice on which carrier has the best coverage in your area or at the specific property location(s).