Spokane, as you mentioned, also has some interesting momentum to it due to increasing in-migration and gradually diversifying economic base.  

I am no longer putting carpet in my units and am gradually replacing it with "Allure" vinyl planks.

And even this is just a timing issue that you'll eventually recoup when you resell (and will gradually recoup through depreciation deductions).

So I guess it best to roll them over and gradually transfer the money to the Roth?

It takes a while to build that up.But paying people promptly and thanking them for their responsiveness will gradually build up your network of good reliable contractors and go-to people.It's harder to turn over a unit when you're not there, if you screen and lease up yourself.

Assuming that the insurance company doesn't find a reason to deny a claim of course.Ask your insurance company if they have such an endorsement, and what it actually covers, and under what sorts of circumstances a claim will be honored and what sorts of circumstances would lead to a denial of a claim.Here's a thread where having that coverage still would not have resulted in a claim being paid:http://www.biggerpockets.com/forums/24/topics/1201...It may or may not.I think it depends on the type of events that occured, whether it's "sudden" or "gradual" or whatever...needs to see the fine print.I remember one neighbor had to break the concrete slab to get below to fix a leaking pipe. 

I also think that's depended on businesses at least staying open and gradually loosening restrictions.  

I have to get out of them gradually because of capital gains taxes.  

Over the past year or so I have watched it gradually rise in purchase price.

Negotiate gradual increases?