Any sort of surface damage: holes in drywall, carpet stains, damaged blinds, etc. 10. 

Only 1 win's, the a-hole lawyers searching for there next sucker to sue.

For example, total pollution exclusion that most policies have now....lets make an extreme example and say your tenant decides to start pouring used motor oil into a hole in the ground in your back yard.  

Or are holes after move-out just part of the cost of doing business?

Now you have to evict as this A @#@HOLE has rights.  

Highly recommend you share more about the research YOU have put it into your dilemma, so we can poke holes in it, add to it, etc.

Which might poke a hole in anonymity???

If there is a leak, the first thing that should be done is to cut a hole in the drywall or plywood to get the wet materials out. 

Strategies like REPS and short term rental loop hole can be complex and expensive to get wrong from a time and money perspective. 

They are clearly trying to scam you and if they file a false police report they are just digging a hole for themselves.