You should look ar all your options but also read the policy differences in condo insurance. Theres no blanket coverage , it varies state to state and carrier to carrier
Find a broker that writes for multiple carriers and ask to see the policy jackets for each carrier to find what works best. Condo insurance is a odd duck and can vary a lot.
Also I used to write damage estimates for a large company that you mentioned as a 3rd party. Every carrier uses vendors, its rare not to se vendor use to be honest.