Quotes came in at 100k so I adjusted my offer to 240k where seller finances 210k of the deal. 

I told the Adjuster that it doesn't make sense why they wouldn't cover me for damages.

Look at what you did wrong/other people did right, make adjustments and have more reps!

Just get the folks who finance these rolling and ask for an adjustment for the already wasted cash.

Hey Simon,I'm building a tool that does pretty much what you describe, to automate what I'm doing in spredsheets.http://www.reikit.com/compsIt uses zillow/google maps data for lookups, but I use it with my own comps that I got from my realtor, then I run my own adjustments to get an accurate ARV.It's still early days, but check it out and let me know what you think.  

You have to understand what goes into their report like the condition adjustment scale, quality of construction sale, how to pull the proper comps for the property (which can be different comps from actually valuing the property), how to value certain features in comps with the appraisal in mind, knowing what features can created price adjustments and which ones don't.

My estimate does include a 75% occupancy rate so it's adjusted to reflect the slower months. 

You can also refinance an adjustable rate mortgage (ARM) into a fixed rate mortgage"Let me know if this helps at all!

So I have a Pine  tree that fell and broke my fence, but the main problem is that it has not completely fallen and the fence is holding the tree up at the moment and it is leaning over my neighbors house.So my problem is I called my insurance company they said they will send a adjuster to asses the damage but they stated  I need to call a tree company and have the tree removed and that I have to pay for the tree to be removed and they will re imbursed me.

To get your basis, you should use the lesser of FMV or the adjusted basis.