Feel free to shoot me a dm

Feel free to respond as a non-tax expert if you want.

The cost of changing a light bulb is quite a bit more when you factor in travel time to get across town, vehicle cost, a qualified person on payroll with benefits, overhead cost for the office to deploy that person.

We think it is for sure worth it and feel it has more than paid for itself over time!

I am feeling frustrated and trying to figure out my next step.

True but I feel that is the case with many insurance companies.

Feel free to reach back to me and we can book a quick get together. 

I personally don't own anything in Panama city but I have friends who do.

The feeling I get from people is the more you rely on them the more disappointed you get.

This will be important for tax purposes and overall financial management.If you're feeling overwhelmed at the end of all this, consider hiring a property manager or consulting with a real estate attorney who can guide you through the process and handle any legal concerns.