@Logan Lambert well my section 8 tenants that are currently in there are living pretty thugged out and I’m sure that when I need to recover the unit that it’s going to be significantly damaged due to the fact that I had an inspection done three months ago and wasn’t happy with the pictures I received.

Definitely hire one for a property damage claim, auto claims its not necessary.

@Kyle ReynoldsThe decision to rent or sell a Sacramento home is influenced by factors such as projected rent, negative cash flow, and potential appreciation potential.

We had a roof damaged in a hail storm and got it replaced and paid (minus deductible) via an insurance claim. 

But it also comes with more risk in terms of evictions and damages - which you can never collect for.But STRs don't have any issues with evictions and damages are typically covered by the STR insurance or sometimes the Property Management company has its own insurance too.The other thing is that, on average, STRs tend to generate more income than LTRs. 

I am sure everyone has seen the damage from the hurricane .

Think about what you think is a reasonable number and get back to me.two days later she says 50K due to all of her furniture now having mold damage.

I have some auto-denials in the "review phase" based on landlord reference such as numerous late pays on rent, numerous documented lease violations, and move-out damages exceeded collected deposit... but still have yet to enter the "landlord reference/review phase" of my screening process due to the details on their CBR's as noted above. 

Sure, you can’t control it, but you can definitely influence it.

We recently bought a property that we have found out within the first few weeks of owning it that is has VERY SERIOUS drainage and humidity issues and lots of previous water damage that the sellers did not disclose.