Just saw the news , over 1000 structures destroyed and possibly 28,000 in danger . 

Changing lenders wont help - this will be the case for almost every lender.Call your insurance company and confirm that a binder is in place for your insurance for this deal.

Not only will lenders be effected, but borrower credit, business loans, inventory, and auto credit will suffer when those effected have to relocate, find long term replacement housing and their livelihoods and income are destroyed.

The recent earthquakes destroyed many multi-family complexes and will continue doing so.

The poster was asking about broken/damaged household items and guests destroying a rental. 

If you have the sellers, the buyers will start reaching out - it likely wont work for some of them and then you can ask what they are looking for and build relationships that way.

We live in Kihei now since the Lahaina fire destroyed our home, office and an investment condo.

. $150 cash flow on any rental especially a triplex is dangerzone imo. 1 month of vacancy of 1 unit could destroy a years worth of financial gains.  

That term is generally used when zoning has change, such that it if the structure were destroyed, it could not be built back. 

They let one of my property get destroyed to point of unrecoverable.