Chat up the mail carrier.

Greg, your are correct in that the carrier may likely consider this to be an issue of normal wear and tear, and decline the claim since wear and tear is a standard exclusion under most policies. 

The big carriers can be a pain.  

If the contractor's carrier will add your LLC as an additional insured during the course of their work, then that's even better. 

However you normally communicate with your tenants............txt, email, carrier pidgeon.

Nuisance include animals in public areas who are not under the complete physical control of a responsible human companion and on a hand-held leash of no more than six feet in length or in an animal carrier."

The incumbent insurance carrier is legally required to continue coverage unless you can prove there is a new policy taking it's place. 

You and your insurance carrier represent larger pockets for the claimant.If you decide they can stay, and you want to make sure they have the proper coverage in place to protect your interests, make the following insurance requirements as part of your lease;1)  General Liability for $1M2)  Umbrella $1M-$5M depending on your comfort level3)  Hired and non-owned auto coverage4)  Workers Compensation5)  Add the entity holding title as an Additional Insured ***Get the proof of coverage directly from their agent. 

Check with your insurance carrier as some breeds aren’t covered or require additional liability coverage.

The E&O carriers have suffered significate losses as a result of theses Business Email Compromise frauds (BEC) as the FBI calls them and so have changed the language of the policies to exclude the loss except for the rider.