Any tips on how to document the damage effectively or how to approach the adjuster?

Think about how can you make your property a no brainer when having to decide between an apartment and a home. 2-Contact homeowners who are not in your close proximity, so they do not feel threatened, and ask them what are they seeing in the market, and how are they are adjusting (most likely you are not the only one who is experiencing this). 3-  If you decide to work with a real estate agent, use one that works with rentals, and better yet, someone who specializes in property management as well, because they will help you weed out  bad applicants. 4- This last one I do not have experience with, but I would definitely try it if my rental was near a hospital: Partner with a company that finds housing for traveling nurses.

Is the HELOC adjustable or fixed. 

I will adjust accordingly. thank you again. 

You could go 30 year fixed and some offer adjustable like 5/6 ARM.

Do both of yourselves a favor and give it a long lead time, that way they can come to terms with the new rent and make adjustments to their budget, and if they are moving out, you both have time to get your ducks in a row (you to try to do a fast turnaround on the rental) and them to find an appropriate new home. 

Depending on how much more money is needed and x,y,z the insurance carrier may want to send out the adjuster to come and inspect the property.  

if you would like to guess at current property value, you can adjust the asset value by plugging in a number for “unrealized capital gains”.  

I could see someone having one, but two… Do you suggest making that slight adjustment on my home page on the no pets, to maybe: no dogs, cats, hamsters, lizards etc. again a million thank youuus Hector Lopez

They all are just computers making guesses based on other rentals in the area and adjusting for things like more square feet.