There are new vacuum insulated panel technologies coming available which claim R20+/inch, however they are not yet cost effective, nor are builders familiar with their use and installation {puncture one and it goes from R20 to zero}.

Anyways with a multi zone mini split system you can eliminate the punctures in your "Envelope".I spray foamed our new home and shop and am a 100% believer in it -- there is just a few other building science things you have to take into account when doing this - but if you save for example $20k on your electric costs over a year at a 10% cap rate - you increased the value of your business by 200k. 

We take care of it, as if we still own it, and are very punctural with the rent.

The guys doing the tunneling then punctured the main water line in several spots. 

That part is the mobile home,- Punctured hole in door with hot water rubber tubing going through it and traveling across the hall and across the bathroom!

For example, if your sewer pipe bursts due to a tree root puncturing it, but doesn't cause any resulting damage to the inside or outside of your home, then most insurance carriers won't pay to fix that pipe. 

If you use ACV coverage plan on some legwork to establish the value of the claim (and don't make claims for anything small like a puncture in a roof).

I have 4 puncture wounds in my feet, a puncture wound on my hand, 3 scars and a chipped vertebrae and I got them all before the age of 19.

As long as the tub is still structurally sound (i.e,, the hole is not a puncture but a cosmetic ding), I like this easy fix.There are a couple of brands.Here is one I have used that is widely available: https://www.amazon.com/dp/B000RNPGKO/ref=twister_B006ZHK5IE?

Don't puncture the ductwork.