I think providing the actual comps being used and any discussion about the values in the area to my buyers so they can judge for themselves what the ARV is would be the best approach.Does my strategy have merit from a buyers perspective? 

People with a financial incentive to promote the sale of investments should not be relied upon in any way when they give an analysis of the merits of said product.  

You should be evaluating the insurance companies reason for not accepting liability and see if it has good merit and worth pursuing, but if you have all of the documentation showing that the contractor was unlicensed and a report from another inspector or the adjuster from contractor insurance policy showing improper installation or anyone, your insurance company should take it from there and recover your deductible from the contractor policy.

This disparate impact thing has some merit from a legal perspective because employers have had to deal with this for a while @Nathan G.

When I said "overrated", that doesn't mean I think there is no merit to having it in your calculation. 

The argument that weapons free may increase home invasions is without merit. 

I'm sure it has some merit so evaluate your situation a little closer so you don't get in trouble.

This line of questioning by tenants merits either no answer or a vague answer.  

@Tom HertelI'm not debating the merits of equities vs real estate.  

Reasons for claims to be denied include fraud, misinformation, not adhering to the contract conditions (such as securing vacant properties, protecting properties from further damage after a loss, reporting a loss in a timely manner…)So, your usage of the word reasonable in relation to your specific claim is difficult to address without sharing all of the relevant details, but again you can refer to the carrier’s denial, dated May 1, 2014 for the valid and factual reasons your loss was denied.As for us “getting carrier to pay reasonable claims”, we’ve indicated numerous times here, we are the agency, and have no ability to influence a carrier’s decision, as the facts uncovered by their investigation of each claim, stand on their own merit.