They won't pay, but I'd take them to small claims court anyway, to get it on their record.

@Carlos PtriawanPlease provide support to your claim that rent is more volatile than values.

I am trying to figure out how J and Dave got to $65,000 in the following section (I am reading the eBook version so page numbers won't correspond with the physical book):  Towards the end of Chapter 2; "Finally, notice that the owner equity in this business totals about $65,000; because John is sole owner of the business, that $65,000 is the value that John transfers to his PFS and can claim as his ownership value in the company.”Everything up to this point was clearly explained on how they got to the number, except this $65,000.

I know if you call the agent sometimes they ask you what you think the damage will amount to and advise you against filing a claim if it is below your deductible but I don't know of any falling branch exclusion.   

I want to file a small claims petition.

At this point you just want quality conversations to happen, just like with direct mail, it's a follow-up game.I don't think your expectations are unrealistic when it comes to having your VA sound less robotic, they conversion numbers aren't that bad, they need feedback to get better and sounds like you're providing that.

I came across a website - myhousedeals.com - that claims to find wholesale deals for you in the area you choose.

No claims. 

I know a lot of college professors that don't teach anything worth a damn in the subject they claim as their expertise.

We had a large insurance claim at one of our 1970s-built apartment complexes.