I'd suggest you forget about all this super duper business structure stuff, save your money and buy a larger insurance liability policy.

Hi Steve, In situations like yours, it is fairly common for an insurance company to issue a check directly to the policyholder, especially if there is no mortgage lender involved or if the claim is under a certain threshold.

Public Adjusters:Represent: The policyholder (you).

Post insolvency, the framework allows an assessment to all private insurers operating in the state to cover the difference which will subsequently pass the costs along to policy holders.

They really only differ in how the gains of those investments are credited to the policy holders.

.- Gradual Rate Increases: Increases are phased in over time for policyholders who see higher premiums, with annual caps on the rate hike.- More Predictable Rates: Rates better reflect the real risk rather than just being based on a flood zone map.Example Scenario (Simplified)- Old System: A house in a designated flood zone pays $1,000 annually, regardless of its elevation or distance from the water.- Risk Rating 2.0: That same house may now pay $1,200 if it's closer to the water and more vulnerable or $800 if it's higher up and better protected.Flood zones still matter under Risk Rating 2.0, but their role has changed. 

Insurance proceeds are typically provided in a check that must be endorsed by both the policy holder and the mortgage holder. 

I don't know anything about their policyholder experience.However, every homeowners policy I've ever seen, even with a "home sharing" endorsement or rider, requires some owner use of the property. 

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Quote from @Patricia Steiner: @Owen RosenNo...here's why it is 'additionally insured:"  "An additional insured is anyone who enjoys the benefits of the insurance policy that is not the primary policyholder.