Peter, you are right about he rebar. I've rebuilt many walls and especially corners of masonry buildings damaged by rusting rebars. Many times the rebar shows up on the job very early and is already rusting and the power of the rust expanding and blowing out the block is amazing. I often thought it would be better not to use it at all. Filled end joints greatly increase the strength of the walls but that is seldom done.
Try Home protector 226-3690,hear most flexible . They would not insure my clients wood building.Bet you a burrito they won't insure,unless bottom floor is concrete supported.Always remember insure up to replacement cost.Good luck
In some cases RF & G will insure all wood structures - however the rates are high - $33 per thousand. I have a wooden house insured with RF & G. I am happy with the company and feel that it would remain solvent even in the wake of a major storm.
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