Try to anticipate other potential avoidable situations with a follow up inspection to assess the Locksmith’s work and ask your tenant(s) if you can also use the time to assess for other issues such as unchanged HVAC filters, leaky pipes, working shutoff valves, working smoke detector batteries, properly working downspouts, clogged dryer vents, evidence of water damage from leaking roof, etc,etc,etc.

You’ve made an accusation, used it to imply that I’m covering something up, and provided not even an example, evidence, foundation, etc. for your outrageous claim.  

You have many options here.1) Terminate the lease: It clearly states that they must have renter's insurance and the lapse can result in a default2)Have them cover the damages with sufficient evidence that they caused it3) Claim it on your insurance for the property, likely they won't give a good payout unless a fire, flood, or some sort of wind damage.

Low property prices evidence this.

Even if the law doesn't require sharing photos, you may want to send a few just to prove you have evidence.

I know it defies logic, but many things in life defy logic and the evidence I've experienced follows suit. 

But the NAHB also reiterated evidence of an ongoing labor shortage, saying, “The ongoing skilled labor shortage in the construction labor market and lingering inflation impacts account for the recent acceleration in wage growth.”For now, the hot market is still rolling.

Such pricing externalities are often conjectured in the context of the effects of expanded subprime borrowing on housing prices leading up to the financial crisis, and our study can be seen as complementary evidence in the student loan market." 

Take what you consider plenty of video and photographic evidence on why you held the deposit, then double what you think is necessary.   

I’m curious how others handle this, and if they rent but insist on evidence of renter’s insurance, etc.Curious to your feedback.Thanks in advance.Brent