I would argue that for all you know she could be dead inside the unit, or injured and therefore you needed to call a locksmith to provide access.

I was hoping that I might be able to argue proforma rent to the insurance company or go after the insurance company for recommending the construction company who took way longer than advertised.It sounds like I don't have any options since my rental policy has language that says loss-of-use applies to the "rented part".

You can easily argue that the tenant was not a new tenant. 

The ABCs of Real Estate Investing: The Secrets of Finding Hidden Profits Most Investors Miss7. 

I think you'll find a different answer, all passionately argued, from every person you ask.

I would argue knowing what the heck you are looking at.

I think it’s good to know what it “should” be for yourself so that when it does come back you can argue it is incorrect, if needed.

Are they arguing for more money from a buyout? 

Books that have helped me are Rich Dad, Poor Dad, Long Distance Real Estate Investing by @David Greene, The ABCs of Real Estate investing and Crushing It by Brian Murray. 

It is not their business to know and will only empower them to argue/debate your decision.