[No coverage for] Water below the surface of the ground including that which exerts pressure on or flows, seeps orleaks through sidewalks, driveways, foundations, walls, basement or other floors, or though doors,windows, or any other opening in such sidewalks, driveways, foundations, walls or floors;...Wear and tear; marring; deterioration; inherent vice; latent defect; mechanical breakdown; rust; mold;wet or dry rot; contamination; smog; smoke from agricultural smudging or industrial operations; settling,cracking, shrinking, bulging, or expansion of pavements, patios, foundations, walls, floors, roofs orceilings; birds, vermin, rodents, insects or domestic animals.

So I have a two-flat that I'm house-hacking and I'm replacing the floor in my unit to be able to rent out later.

Basically by that point everything has probably been painted, cabinets are in and flooring may even be done. 

Since you will be remote start finding contacts now: painters, flooring, handyman, etc.

You'll be cleaning the scale out of them all the time.

Flooring: Do it so you never have to fix them again. 

Also did not clean and it will need serious cleaning.  

Flooring, trim and paint.

So what I have done on SFR, is duplexed  first floor into basement to add bedrooms to houses, you 2 to 4 beds to add value.

All hard surface floors and counters are installed for ease of maintenance.