Hi,Does anyone have any experience with their insurance company not covering domestic animal damage (not pets but dogs that found their way in) and cleanup of toxic drug fumes?

I live around the block and my actual home was also damaged, and my two tiny homes also flooded, so we've been dealing with a lot. 

A couple of the windows are pretty damaged or stuck in a certain position.

How do you determine if a fire damaged property is TOO far gone?

Just make sure they aren't robbing from you with the ultra-low management fee by socking the guests with exorbitant booking fees, damage fees, etc. 

Depending on what caused the damage, your insurance hopefully has "loss of rents" coverage... 

And in a case of gross negligence, punitive and/or exemplary damages can be as much as 4X actual damages.Translated:  If a child, or even an adult, is seriously injured or worse in your pool with no fence, they will come after every penny that you've got.  

Is there any insurance of those types of damages, like Lemonade for example ?

It probably varies state by state but here in Texas renters policies cover $100,000 minimum of property damage.

If you do that, make sure to tape up protection on the walls, etc so sparks and flying metal dust don't damage your tub/walls.