They all check the mail and trust TV a guy on daytime TV commercial.

I have the nolo press book, "California Landlord's Law Book: Rights and Responsibilities " but it doesn't address this specific  scenario.  

Makes me truly happy to see people who understand some of the 'hidden' benefits of CVLI 👍💪👏But, agree with @Thomas Rutkowski in that you'll be hard pressed to find CVLOC rates at present that beat policy loan rates. 

Btw, I’m NOT an attorney, BUT I do play one on TV  

The big, pressing, motivator in my choosing to start with STR is my recent learning about the "STR Tax Loophole" and especially "bonus depreciation."

And secondly it seems most of the people would be hard pressed to pay for the lunch if it weren't free.

During the warmer months of the year I typically pay the electric bill and for my internet/tv services.

See article from the US Census about growth and population decline:https://www.census.gov/newsroom/press-releases/2023/population-trends-return-to-pre-pandemic-norms.html#:~:text=Texas%20experienced%20the%20largest%20numeric,%25%2C%20respectively%2C%20in%202023.

But politicians dont want that, they keep pressing that peddle down, more and more and more thrust.

Since a covered peril (wind) triggered coverage, loss or rents/income would then come into play.Unfortunately, if you have neither flood or wind coverage under your policy, and that's what's caused all your damage, I think you'll be hard pressed to collect any loss of rents/income from your carrier.