Research any surface prep you have to do especially if your floor is not concrete.

The ocean surface temperature in the Atlantic is already at a record high in basically late spring and that provides a lot of energy for big storms..

.- Research the Flipper:Look into the history of the flipper or the company that did the renovations to assess their reputation and track record.Be Skeptical of the Cosmetic: Look beyond the surface-level improvements to understand the true condition of the home.Taking these steps can help ensure that you are making a well-informed decision and investing in a quality home.

We only lightly sanded/roughed surface of cabinets after a thorough cleaning and time to dry, then we primed with a water base heavy duty primer (we used 1-2-3) and got Enamel Sherwin Williams paint (like $100+ gal). 

Can it work though, yes, but have some skin in the game.

I'm looked at a couple here in FL that were showing those #'s on the surface.

However, I think if you decide to do this, you should get some money up front combined with owner financing so you have some skin in the game so to speak.

I asked if it could be removed and she said that the roof surfacing is added to all RDP and that it does indeed go off of the ACV minus depreciation.

But is there a type of insurance I should get for a small business that does hard surface renovations? 

Having real skin in the game is a major incentive to do the best thing for investors in a downside situation.