The itemized damage estimate that my insurance provided me lists an Actual Cash Value that is 15% higher than my Dwelling A Coverage. 

The biggest problem I see is that most of those items should have been itemized from the tenant deposit.

For Non-Admitted carriers, the important item to then pay attention to is the AM Best rating (or equivalent rating agency).

Have them send you a line by line item of what's needed.

There are a lot of options out there.Some of the most useful items BiggerPockets members have identified are features that save time so they can spend time working on their next property.

We have 8 business entities availing of their services, and as "advisors", they should make business life easier -- not add more work on your plate --- but instead, my team and I have been checking for mistakes, or following up on action items, missed deadlines, and paying penalties to the IRS and Secretaries of State due to their negligence.

Another struggle i have with STR is replacing small items continually which ties back to pricing.

If the house has all major components in working order a few cosmetic items doesn't make it not livable.

My family makes a joke about how those items aren't "Nickproof") At this point we decided to call it and come back tomorrow. 

The main issue is that to do the ADU you have to spend so much bringing other items up to code like electrical, plumbing, lighting (windows) and egress.