Just because I see lots of people, even outside RE, claiming that they can cheaply outsource management or some task then go sit on the beach.

Since when can you be fired for a medical condition?

We've moved all our MA rentals, both extended stay and STRs, to extended stay for medical professionals.

Should I file an insurance claim?

The plaintiff will win and your insurance company will probably deny the claim. 

Get contact information from the agent or look at the policy for information on where to submit a claim or check the underwriter's web site for information on how to submit a claim. 

With medical professionals moving to town to work on vaccine research. 

If you can, then I think you should ask for (and get) a decent discount for buying at this time.And remember, just because the current owner was able to collect rent - or claims that s/he did - doesn't mean that once you take over, you won't have a building full of non-paying tenants.

She claims due to covid-19 she can't move.

Her lease is up and she was supposed to be out end of April. shes known for several months that she'd be leaving but now claims she can't because of virus.