The resurfacing would be seen as a repair versus replacement.

Add $1000 to resurface all wall tile and tub to bright white.

Some places are totally renovated but 2 out of 3 in the area are still similar to the condition of mine.I estimate $40K to repair and paint the siding, resurface wood flooring, update kitchens/baths, and other cosmetic fixes and updates. 

Rest of rooms and hall is carpet.On the hardwood I have 2.50 sq ft quote for 3 layers of resurface and finish.

We took some money out of our 401k remodeled the kitchen, resurfaced the hard wood floors, and painted all the rooms.

-http://blog.homedepot.com/diy-board-and-batten-wainscotingBathroom-Resurface/Refinish yellow tile to white, and leave the black, as black; -Leave the floor as-is, but clean and polish, to make it pop a bit more-Replace toilet, bath hardware, and sink hardware, partly because we pay the water, and we want water efficient items to drive down the water bill as much as possible;-Replace window if it has Lead paint-Remove curtain valence :-) https://thumbs.trulia-cdn.com/pictures/thumbs_5/ps...Bedroom-No planned changes-https://thumbs.trulia-cdn.com/pictures/thumbs_5/ps.97/6/e/e/8/picture-uh=bfef554726567a5541316d342924ad-ps=6ee830b24aa165c59eea61b0f12ee6d6.jpgFront Hall-No planned changes-https://thumbs.trulia-cdn.com/pictures/thumbs_5/ps...The other units have older counter-tops, so will update to Formica most likely, or whatever $700 can get us. 

For example:-The parking lot/driveway needs to be resurfaced -Water heater will need to be replaced-Pluming is currently galvanized which from what I understand will need to be replaced with copper -roof, etcIs there an insurance policy that I can get that will cover me for those maintenance/repair expenses that I foresee ?

Still usable but could use a resurface.

Original hardwoods need resurfaced.

From this, I learned that #1 I will never use a GC again, and #2 Have a list of your lead time items (granite, windows, refinish floors, resurface tubs, etc).