An umbrella policy is a good alternative so long as the damage doesn't go above the coverage amount, which is usually one million dollars.

Your state may or may not require you to mitigate damages by attempting to re-rent asap.

Next I would call a contractor to fix the cosmetic damage.

A frozen and cracked boiler, heat lines, and domestic water lines could set us back 5-10k depending on the severity of damage.   

It's only about $25,000 and a year to litigate it and you'd have to prove damages.

If the house is in great condition, ready to put on the market, then putting a short-term tenant in it is a lot of risk (of damage) for a little money. 

Upscale lighting fixtures are a key element to making the place pop.Also, I like to think functionally...robe hooks on the back of every door for wet towels with lots of people.

Termite Damaged Studs $1,000.00 Assume replace 20 EA studsRodent Extermination $150.00 QuotedNew Roof $5,750.00 Quoted - Partial re-decking at 10 sheetsNew Hot Water Heater $750.00 Assume $500 water heater and $250 installReplace Aluminum Electrical Wire $300.00 Assume 4 hours @ $75/HRTotal Rehab Budget $47,057.98 Contingency at 10% $4,705.80 Original Purchase Price $45,000.00 All In Cost with Original Purchase $96,763.78 ARV of Home $95,000.00 Based on ComparableAdditional Scope $11,792.98 New Purchase Price $33,207.02 All In Cost with New Purchase Price $84,970.80 Any advice?

But this is usually far more expensive than it's worth unless the patch replaces wood that's been heavily damaged and is no longer able to serve as a functional floor.

Our PM sent a water damage company onsite to extract the standing water on emergency.Later the company called and asked me to sign a contract so they could proceed with some testings, and negotiate with my insurance company.