Can’t get reinsured after house fire claims – ideas??

We have a fairly unusual situation but I’m wondering if anyone here has ideas we haven’t tried — because I am starting to feel hopeless.

Headline: after two (very bad luck) house fires in two years + a change in wildfire zoning, no one will insure our home. We’re in Montana and there is no “last resort” option from the state (I know this is a thing elsewhere). I need all the ideas I can get about insurers who will take us on with our “high risk” status.

Details:

We had a house fire in summer 2024 — a candle lit during a blackout started a small fire. The fire itself was small, but what burned was a plastic record player cover and the nasty plastic smoke spread EVERYWHERE and required extensive mitigation. Our claim wound up over $500k — due in no small part to two things driving up costs:

1 – a the mitigation company, who worked directly with our insurance (so we didn’t see line item costs or approve them, they did) — they subcontracted like crazy (example: they sent our laundry to a sub-sub contractor two states away and it cost $40k instead of what I would guess it would be locally, maybe a couple grand)

2 – cost of housing while we were displaced. We live in a mountain town with a small amount of housing to spare and super jacked up prices — totally out of our control.

The real bad luck comes into play in that about six weeks after we moved back home, our e-bike battery spontaneously combusted in our garage. Structurally damage wasn’t terrible and was contained to the garage, but smoke mitigation was again extensive. (There is a whole second backstory here – the e bike manufacturer is at fault and has since gone out of business, and our insurance co is in a subrogation process with them to recoup expenses. We were one of over 30 cases nationwide of these batteries doing this – and the us consumer protection agency issued a warning about them, unfortunately after our fire. the battery wasn’t damaged or plugged in, fwiw). This claim was about $100K.

Around the same time all this was happening, the underwriters of insurance in our area redid all the fire risk maps, and re-zoned our neighborhood into a higher risk category. Because of that, State Farm told us that we probably would’ve gotten canceled regardless of the fire claims.

So now we’re trying to get insured and we have both two house fires, which I recognize looks insane in paper, on top of being a higher risk wildfire zone. Our house is immaculately rebuilt, safer than ever, and beautiful. And no one will touch us. We’ve been turned down by pretty much all the major insurance companies, as well as several second tier.

We have a couple different local brokers working on this who deal with all kinds of different companies and some inquiries are still out, but I would really appreciate any ideas anyone has. I am starting to feel like we are cursed.