Right now, your fighting saying this square peg won't fit into the round hole. 

Which if a tenant fights, can be a heck of a process.

My broker said that most agents would have thrown in towel and not fight for what was the right thing to do.  

One way we fight this is with photo verification pre-lease signing and not approving renters who don't view the place in person, our credit underwriting software also flags apps that have a high likelihood of fraud.

Then based on @Michael Baum's suggestion, I think I will have my cleaner and/or maintenance person do monthly/quarterly maintenance like using using enzyme based cleaners, grease fighting drain treatments and hot water flushing. 

I have no dog in this fight other than I simply understand ratios.  1 M out of 281,000 M is nothing...not even 1/3 of 1%.  

I can guarantee that if your PM can't win Aircover and thinks it is a waste of his time, he will not win any insurance or small claim fight at the court.

About 1/3 were in limbo--neither rebuilding nor selling, while owners tried to decide what to do--sell, rebuild, or fight with the insurance company--or just didn't have the money to rebuild and didn't want to sell. 

I was tired of fighting with Nathan about how I wanted to grow the business.

(As AZ and your current state will fight over who gets to tax your gains with the federal government.)I have to throw most of the shade on your horrible tax guy/cpa who didn’t tell you renting it out was a $50-$100k mistake.