Here's a potential path forward for you:Get Detailed Bids: First, it’s essential to get more accurate bids from licensed contractors for the remaining work, not just a range.

Really appreciate the detailed response.

A public insurance adjuster works on your behalf to dig into these details and get you a larger payout.

@Travis Hardy, I won't dig into the details of your analysis but I think I can give you some things to consider in a general sense.The typical buyer is NOT analytical. 

I've not heard of this happening so I'd love to hear the details. 

Please let me know if your interested and I can send you more details.

She wants a detailed budget which we do, but the potential swings are too much for her.  

I don't have experience in real estate or house hacking, so I want to ensure my plan is sound and that I have all the details mapped out.

I just need a little extra help with the next steps and figuring out all of the details needed to make it happen.I would like to close on a deal by the end of this year, using either my VA loan or an FHA loan to house hack.

Reports cost $15-$20k but they are done by CFA’s, attorneys and others and are extremely detailed (we had one done).