Or is this damage unusually severe and I should expect to be repairing pilings every year or so? 

This allows you to search for significant damages and provide an early notice. 

They are responsible for either forcing the contractors back, collecting from the contractor, or paying out of pocket to repair the damages.

For the record, most termite damage is unseen. 

She’s also caused over 7k in damages to my remodeled property in just two years.

North Mpls has the lowest property values in the city, I generally do not look for properties in that region so I don't want to treat it as a monolith, just like any other part of the city it can be block by block but I stay away personally.

The area is literally block by block.

I've heard of REeBroker Group, Big Block Realty, and a few others but don't have any firsthand experience with any of them beyond what I've read online. 

They can cause a lot more damage than good in the hands of a "give it all it's got." 

I thought of putting a faux flagstone topper but I was told that will raise it up to high and since connected to building may cause water damage.