The carrier rating for Obie policies range from A+ to A-.You are probably aware that many carriers are leaving the State of California due, in part, to the significant regulatory challenges they have with making adjustments to their products that the state always has to review and approve.

I did a rebuttal on a few 1007's and had them adjusted. 

When that happens, you can adjust the rent to match current market rates.

You’re taxed on the sales price less adjusted cost basis (basis less depreciation), not taxed on the proceeds from the sale.

as a result I switched to a new company, and I will have to adjust it again to a landlord policy that comes with a slightly higher price tag when I move out. 

Good summary of what your market is looking for but as we all know, each market tends to have its "wish / want" items which differ from market to market.Flow is definitely a selling point but make adjustments come with a cost. 

Sometimes a second inspection or negotiation can also help adjust the valuation. 

If not, then the path of least resistance is to simply adjust your vision so it fits better into the lot, as-is. :) A zoning change can take up to 6 months, approval isn't guaranteed (despite Aldermanic support), and potentially cost a lot of money (architectural site / floor plans & dimensioned elevations, zoning attorney, holding costs, etc.) 

Calculating these losses involves documenting the fair market value of the property before and after the disaster, adjusted for any insurance or other reimbursements.

Have an Insurance adjuster rep work for you in settling the claim with the insurer.E.