We mainly work on bathrooms and kitchens and restore what the restoration companies tear up when they mitigate water damage.

Or you have to have the roof coverage part on a separate rate the the rest, or have a 2-3% Deductible, just to have cheaper monthly premiums...

I would suggest you could consider the cost to turn the unit (time and money).I have had this situation before and the tenants have always stayed longer because it simply takes longer to have their house restored or the like. 

Any damage to the wallpaper, paint, walls, floors, carpeting, doors, windows, window treatments, light fixtures, appliances, or other improvements to the Property (to include burst water pipes due to freezing caused by neglect or carelessness of the Tenant, his family, or any of his guests), in excess of ordinary wear and tear, shall be promptly repaired or replaced by tenant, at Tenant’s sole expense, so as to restore the Property to the same condition as existed prior to the commencement of the Term.

Vinyl plank flooring or restoring the original hardwood?

Will they be restoring 24/7 water anytime soon?

I restore old muscle cars. 

Restoration kept historically accurate items.Next the tenant said that the tub stank so much that they can not use it. 

Several factors can increase or decrease the adjusted basis, says McGuff.Increases in adjusted basis can result from:The cost of additions and improvements to the houseMoney spent to restore the property after damages or lossLegal fees incurred in relation to the propertyDecreases in adjusted basis can result from:Receipt of insurance payments due to a casualty loss or theftTax credits for home energy improvementsIf you sold your primary home last year, there’s little you can do to avoid capital gains tax liability when you file taxes this April, Liddiard says.

The woodwork was lovingly restored.