They must be very low odds because insurance companies are in the business of making money, not paying out maximums.

I'm curious about how you are funding the renovations. 

I own Granite and Pine Properties - a Direct to Seller Marketing company that focuses on giving sellers 3 selling options. https://graniteandpinere.com/My advertising is word of mouth, social media, SEO, mailers and cold callers.

The mortgage companies usually only require one year.

(They claimed thousands for electrical using what appeared to be a fake electrical company, and they never had someone out to even check electrical beyond the general.) 

Your equity can provide the funds to make those improvements happen, increasing your home’s value and making it more enjoyable to live in too.Getting a Business GoingIf you’ve been dreaming about starting your own business, your equity could be the kickstart you need.

I got approved for a HELOAN on my primary property but not sure if I should take the loan to just use as “leverage/reserves” to show the HML and get funded.

Does anyone have a recommendation for a reliable, quality cleaning company with great communication?

I believe sometimes a bad experience is more reflective of the individual than the company. 

They highlight the difference between the average home cost and the average home value suggested by the price of large institutional companies such as American Homes 4 Rent and Invitation Homes Inc.I suspect this is nonsense (especially as according to google their price to book ratio is positive).