We have an STR in Swannanoa that wasn't damaged and have had several week+ long bookings since the storm (including Army Corps of Engineers, etc). 

Damage to the property?

I have been in the construction industry, mostly residential renovating, so I know how to spot damages, repairs, and/or things that need to be replaced.

Say you have a fire or water damage in the house and you have to file a claim with your homeowners insurance.

Basically, they are abbreviated inspections that focus on the more expensive liabilities that investors are looking for instead of under-caulked windows and damage to drywall.

I guess for me the dividing line is does it damage the function or cause a safety hazard if I leave it on the tenant.  

I don't consider someone always late but doesn't damage the house a good tenant; I expect the house to be undamaged PLUS the rent is always paid on time.

However, Peerspace has $100 deductible for qualified damages which is not so great for minor damages, or even some damages that cause around $200-300.

And STRs really help because you don't have the large dings that long term rentals have - i.e tenants damaging the property to where you have huge make ready costs (the str insurance covers that), no collections or evictions issues. 

Seems suspicious but I could see nothing damaged.