(Increased rates and loss of discounts on all policies, not just this one.)You’d be better off raising all your deductibles and using the savings to pay for your floor repair.

I recommend "bulletproofing" your property if any updates need to be made, such as waterproof luxury vinyl flooring. 

Paint colors, flooring, price per sqft labour and materials, etc...

(Kitchen bathroom doors flooring etc) Probably currently worth appx 20k as is but has potential to get around 80-90 with some work or 100-120 with a total rehab could possibly even make into 2 apartments and Brrrr it.

Re-piped the whole property, built a laundry room, expanded the pool deck and added pavers, refenced the property, re-built 2 exterior staircases, re-landscaped, and put in all new cabinets, granite, appliances, LVP flooring, lights, doors, blinds, etc.What was the outcome?

For example, doing the kitchen,paint and floors in the 2 months before moving in and then moving to bathroom renovations or adding a master suite addition while living in the property.Depending on you jurisdiction and capital you can use the value add house hack to even add an adu to increase the density. 

Visible dirt/dust on almost every surface, trash (including Q-tips) left on bathroom floor, toilet not cleaned, food splatter around kitchen, smudges on walls, windows and mirrors, list goes on... 

I have looked into multiple properties that have finished rooms but and a bathroom on each floor.

I personally do not care for black cabinets and black gleam flooring.

Sure, I've had to replace a roof and I've redone floors twice.