If they met all your other criteria I would use petscreening.com to verify and make sure the dogs are ok with your insurance, if not that's something I would fight. 

The rise of Airb&b and VRBO have put significant pressure for tourist dollars on the resorts and they have the money and influence to fight it.

Not worth the fight.

(I'm not either, for level setting)... and to that end, you are about to engage in a legal fight - presuming you want to be compensated - be it for violating your right to privacy, the damage the police did, etc. 

It is likely a moot point because if she isn't hurt badly, the issue will likely come down to a small settlement because the cost of fighting it in court would be more than a small settlement which is why insurance companies often settle these kinds of cases. 

Right now I am reading everything I can and saving up some money to put in the fight. 

Since this is a small claim, there is no lawyer involved for us and for her.It seems a difficult case to fight against section 8 tenants.

The struggle to fight against inertia, etc.

Mike has a point eventually you have to fight in person and be willing to go to court.  

The Doctor loses this case due to negligence, unrepaired stair tread.Will the insurance company handle the lawsuit (at zero cost to the doctor), and either fight it or settle, and then drop the good Doctor as a customer, or raise his rates to the sky forever after.Will the Doc never have to pay anything out of pocket—ever.Scenario 2Mr.