I also don't see any money set aside for CapEx (if a fridge, stove, window needs replaced, etc.)

Clothes in the closets and food in the fridge? 

If the panel is 100amp service, but the wiring has been derated to 80amp, then it won't be able to handle the AC, fridge, stove, water heater, etc all running at the same time.

The roommate had a separate entrance and a dorm kitchen (microwave and mini-fridge).

And of course they couldn't drill the hole under the fridge or stove, because there was a support beam going through.

I recall paying something like $495 a year to include fridge and a couple other items that were not standard, and the deductible for "each" claim was 50-65 bucks. 

Been shopping for a personal purchase and getting a little frustrated trying to get my VA financed offers accepted.Last loss was a nearly immaculate three-unit (basement needed a fridge) listed at 1.1 mil.

Furnace, water heater, appliances, roof, floors, updating the kitchen and bathroom every 20 years.On top of that I have water bill, trash, lawn, rental license, etc.I've only had my duplex for 4 months and already I have replaced a fridge, a dryer, spent $20 on pest control, I had a small electrical issue, a backed up sewer line, put in screens on the basement windows, replumbed a leaky shower faucet, and the AC doesn't hardly work, so that is going to be another $100 minimum.

Lots of clutter, cheap furniture, photos all over the fridge etc. 

Personally, I doubt they will pay it, but most people here know my opinion of insurance companies.We had a deal with a local used applaince shop for $100 stoves and fridges.