If the fridge starts freezing food, you have to repair it.

Nothing against attorneys, but I would guess few know if fridge or washer/dryer is standard in your market or not...or if you can charge extra for W/D. 

I don't know if I will receive a cash settlement or whether the insurer will want to organise for repair or replacement of items (painting as walls have been defaced, flooring which has been destroyed, missing toilet, boarded up window, destroyed fridge among other things). 

it's like trying to keep her 2 year old oven/fridge. they are not yours, correct?

You’ll find you have to go for stupid stuff too, like getting ready to order fridge and you forgot to measure the opening.

The turning point was looking in the fridge and not having money to buy food, my cars gas tank was empty and I was 2 months behind on rent.

It’s certainly the case that many of the high net worth folks I know have their caretakers fill their fridge for them before they arrive, which in cases of STRs could be coordinated through turnover staff for added revenue (same as restocking supplies).

what's there to say, you have great pics, great reviews and take care of things as you get complaints if there reasonable(flaky pans). we all get stupid complaints like the fridge but overall looks pretty great. we have two beachhouses and have 5 and 4.97, the only thing i would even remotley critcize is the perceived value. for some reason your guest are viewing it as not a good of value as they would have thought- although that is a VERY small item as your overall is 4.94 and i suspect your decently full so keep rates where they are and enjoy.Looks great!

And instead has a hotel style mini fridge, microwave, and coffee maker.

minimal repairs15k DIY maybe, paint, refresh the bathroom, comes with washer dryer, fridge and stovetop.