I'm so sorry to hear about everything you're dealing with this sounds like such a challenging situation. You're doing an incredible job managing all of this for your mom, especially with the added stress of her health and memory struggles.
For insurance, you might want to try reaching out to independent insurance agents in your area. They often work with multiple companies and might be able to find one willing to cover a home with a lapse in coverage. Companies like State Farm or Allstate might also be worth exploring, as they’re known to sometimes offer policies in these situations. Be upfront about the need to avoid internal inspections they might be able to offer alternatives, like virtual inspections or external assessments only.
You’re absolutely right to want at least minimal coverage, especially with the new roofs. It’s good you’ve already addressed the roof situation since many companies focus heavily on that when underwriting.
I hope you can find a solution soon. If you need to vent or ask for advice, don’t hesitate there are lots of people here who’ve been in similar situations and can offer support. Hang in there you’re doing so much for your mom, and that’s something to be proud of.