Ever hear the phrase, " bringing a "knife to a gun fight"? 

We don't wanna deal with hearing couples fighting (lovers' quarrel etc) while studying, etc.Aren't we entitled to limit sharing out kitchen and bathroom with the same sex/gender?

So screw it, instead  of wasting our time we stay with the current carrier & just fight the increase if it's too high. 

I don't have a dog in this fight...but exposure in the internet age is not a problem. 

Help me understand why some “investors” run away from this opportunity and choose a loss in property value over fighting an insurance company.

I read in this tenant-advocate article about fighting for good cause, tenant hold payments during the notice period, once notice period is over, she frenetically tried to pay token rent to thaw the eviction effort.

Number 1 is that there will be huge amounts of money fighting this prop for the reasons you stated. 

If it does happen, you will have to fight to prove that the appraiser did not value the property correctly. 

Why 19%... because ask for more, and a lawyer for the school board May show up to the hearing to fight your request.

Now if it literally takes 5 years to get resolved, you may have a real issue to fight over.