No claim history and not located in a flood or fire zone.

Put them on notice that they will be held liable if there is a claim while you are uninsured, since the lack of insurance is their fault.2.

If no one claims these funds, they get to keep them.

Also the AC unit was stolen before tenant moved in (thieves climbed a fence) so I'm out $4700 (labor and unit) - didn't file an insurance claim because my premium would go up.

Many times they will claim it's wonderful and then try to hide their worst deals by only showing completed deals.

He claimed he could get a deal on a new one (stainless, I'm sure) and he would change the fan out himself.

This is important because you want your name to appear on any claims checks.The following are some general terms that you can use with your Agent, Attorney and CPA to determine the proper form for the coverage. 

My lawyer advise I claim it owner occupied and to sleep there once a week and give them thirty days. 

Also, I am involved in rehab and management, so I am claiming my STR income under the Schedule C.Why aren't you guys claiming it under Schedule C and getting the deduction?

Get an attorney to review the claims process typically they expire if they do not pursue them after a period of time2.