Some things will manage to hold on longer than you may think, other items flop.

You should be able to request things about the reserve study - such as whether the HOA has ever had a study done, how recent, what items were included, is inflation accounted for, whether inflation adjustments have been compared to today's actual costs (imagine cost of materials jumping due to shortage from high demand), etc.

They were not scared, because it looks like what the Realtor showed them several months ago, and I have them agree to each line item as well. 

People have gone in there and stolen items and the city wants the place locked down and all debris cleared before they stop any actions.

I have some "standard" items I use, but I like to switch some things up from project to project.  

Usually costs more and does not give a descent return but what I have done for some of my tenants is offer them low interest personal loans for house hold items (TVs furniture etc.)

The items attached to the property, or will become attached to the property, such as cabinets, electrical, furnace, etc are the types of things meant to be covered by this type of policy. 

The School District portion of the Real Estate tax is commonly called the "School Tax" by many citizens of Philadelphia.The School District of Philadelphia also imposes a tax on certain items of unearned income (i.e. dividends, interest, etc) received by citizens of Philadelphia.

I probably spend a half hour most nights adding items to my calendar or moving things around to keep on top of my rehab/rentals, agent, and other obligations. 

contact the historic district commission for that neighborhood. one has to exist for a historic neighborhood to be registered with the National Register. they'll provide you a packet with their bylaws, windows are usually one of the hardest things to deal with when dealing with historically accurate facades so don't be discouraged if their rules for that particular item are strict