We paid it straight to the policy holder because the work was already done.

The way the policy is setup is that, the property management company is the main Named Insured as they are the policy holder.

Avoiding Sales, I've remained in the service side as a member of the E-mail team, handling policyholder questions regaring auto, motorcycle, homeowners, and renters insurance questions.

Courts often look to the reasonableness of the required work, the aesthetic damage that would be caused, and whether the policyholder had a reasonable expectation the contract would provide for replacement of the undamaged property.Here is a link to a nice article from Property Casualty 360, a popular magazine in the insurance industry.http://www.propertycasualty360.com/2012/04/25/the-...Before looking into a Public Adjuster, who will charge 10-15% of the total claim payout, you should turn to your insurance agent for help.  

If you are not already doing it, also implement a retainage policy.  Hold

I have my name as policy holder and LLC as an additional party. 

My current insurance company told me only 46% of their policy holders have it...seems risky but you need to weigh that against the liability of “what if...”

This is why insurance claim checks are sometimes issued to both the contractor and policy holder, not just the policy holder alone. 

By the way, I have to check but there's a massive networking event in Vegas for policyholder advocates going on there either this week or next so you may have picked the perfect time.

If there's a claim from your guests, and the policy holder finds out they're renters (and they will), they will deny it and probably drop you.