Years ago, I could file claims for small, even minimal, damages on my rental properties, like a few fence pieces blown off during a storm.

And who should be held liable for the damage?

I had one particular vendor with high standards that would exaggerate anything he found.My rule of thumb: people can live how they want to live as long as they are not 1. damaging the property2. living in filth that attracts pests3. impacting the neighbors (e.g. odors, junk detracting from the neighborhood, etc)4. creating an unsafe situation (e.g. hoarding and rescue workers can't access the home)When I visit a property, I document any issues and talk to the tenant.

But since you said Helene was a flood damage, you might be able to use that first to get the coverage.

A tenant who fails to maintain a rental property could end up costing you more in property damage and court fees than the amount of rent they're paying you upfront. 

Should be at least 10%.3) What about tenant damages and nonperformance?

Also, if you are time and cost sensitive, opportunities with zoning elements are not for you.

The house has been through two hurricanes now with no damage or flooding, so it is pretty low risk from that standpoint.

What if there are already damages to the property that you could have deducted and tenant keeps whole thing rather than submitting to new management? 

This also allows for property owners to more easily write-off assets that get damaged/destroyed as the value of these assets is determined as part of the study.