Maybe you can call your insurance agent and they could possibly whip up a letter or something.

I assume the prices have changed in 2 years, is there any number how much they have gone up?

Very simple as Chris notes its just an up front agreement..

In southern CA, even garage conversion ADU additions are typically costing more than the value added.  

If you get cat urine in the house, it can cost you 10x the pet fee to mitigate the odor.

Sorry one additional item I hit post too soon...The reason I asked about TIA is because you generally want to get a contractors opinion of cost prior to lease during that negotiating phase so you know how much that TIA covers and what you'll be coming out of pocket for.  

It sounds like you might be doing a little eraser math (making a deal work from not estimating enough for costs) so beware of that.

It could be anything... a mistake in estimating, a cost overrun, or something like the place burns down and the insurance wasn't properly taken out, or theft (of the money outright) or theft of materials along the way.    

For example do you have a great w2 and can you afford to cover costs of a major repair or 3 months of vacancy?

Also, how much does it cost to get set up on this patented software system?