We are actually from WP originally and I used to cover Houston in my former territory, now I have Seymour.

I am just asking them to pay for the materials and expenses I paid out of pocket to cover their failures to live up to the lease. 

Those bills are more than likely NOT covered by the loan.

Will the premium cover those?

You still need to have reserves to cover those eventual costs.  5% to 8% depending on the current condition and life expectancy.Good luck.  

I add 15% to my Rehab budget to cover potential cost over runs and delays.  

The current rent covers the bare essentials.

My husband went from W2 to self employed while working for the exact same company doing the exact same thing with a significant investment portfolio and enough income to cover the mortgage many times over, and was denied for a loan because he didn't have 2 years of self-employment tax returns. 

Otherwise, this is not a covered loss if the house is NOT in a  flood plane (meaning you were not required to carry flood insurance with the mortgage). 

If I still represent them and leave you with no representation, once you realize that I put things in the contract for their interest (Which I would) and took advantage of you for their interest (Which I would).