I'll add that it's important to factor in the seasonal nature of STRs into your income / expenses.

In most cases you are wasting time trying to get blood from a rock.

You all rock.  

It’s not a ton of water but I can tell it is all underneath the vinyl flooring but there is no damage (at least visible) to the sheet rock or floor moldings.

It sucks you were burned from contractors, who perhaps took advantage of the uncertain nature of covid, but I can say from experience that getting burned is the best way to learn!

Heating costs go up in winter, as does electric due to the reduced natural light and people being indoors more.

I tend to divide this by character of the income, parties involved, and nature of the risk, as well as the client's apatite for risk.  

I have gained much knowledge and confidence from this site and community already and am hoping to do so again.Do any of you investors/landlords who do business in places that have had or are at high risk for natural disasters take special financial precautions for yourself AFTER the disaster has passed?

My favorite is the all natural tenant. 

@Joseph HammelIf you're hiring professionals at these rock-bottom prices ($650 for your business is ridiculous - an equivalent of day labor prices for construction) - then good for you.