Also, what I just learned about is HomeServe which is kind of an insurance plan that you pay a few dollars per month to insure your big-ticket items such as electrical, plumbing, heating/cooling, etc.

I would be glad to offer you some perspectives on items you mentioned if you would like to discuss and I'd be glad to connect you with some investors I have worked with to get some insight on their experiences.

I used to see fridges as throw away items but am rethinking that. 

If you are happy with his previous work that's a plus but he may not have the skillset or time for everything, so make sure you specify a timeframe for completion after he starts work on major items like ramp or door widening. 

Currently the house is full of personal items from someone who recently passed away. 

If you call the assessor's office for the value, you can then call the tax collector's office for the amount. 

There was a BP podcast where one technique was for the investor to get bids before purchase and then add those as line items to the HUD and get checks to the contractor issued at settlement (with the investor holding them until project starts or designated draw schedule).

You would need to have some sort of paperwork stating that the items on the property were in good working condition when they moved in and they acknowledge it.

Send a copy of your receipt for the repair items into the water company with a note describing the leak.

So, for example a bathroom remodel quote might include everything except the fixtures and flooring materials because you need to choose those and the price of those items could vary a lot based on the choice.So, I would clearly define the scope of work you expect from the contractor and look carefully at what is or isn't included in the quote.