Also If I ask the adjuster the above question what's the risk that my broader home insurance claim would be rejected since I had this house on short term rental?

Make sure you are asking about all the terms - the maturity date, the adjustment period, the costs, etc.  

I made an insurance claim with my insurer, Foremost, but haven't talked to an adjuster yet.Is this something that I'll have and problems with getting covered? 

HELOC rate are adjustable, so you won't be able to know your payment year-to-year, and after 10 years a HELOC "matures" into a different loan entirely. 

Looking at cash flow, in most cases it tends to be a more steady and predictable form of income as rents tend to fluctuate less and don't tend to drop off a cliff but rather will adjust slowly.

finished basement Hvac ,Alarm high speed internet, garbage pickup, school bus pick up1998 addition included new windows, doors and 2 inch Styrofoam wrap vinyl siding Just 2 hours from Winipeg.

It may take a little getting adjusted to, but I promise that you'll end up loving it!

Are you up to speed with all thats been going on in the STR world in Philadelphia?

They also referred me to a public adjuster at the same time.

Products and technology change constantly and a lot of pros fail to adjust their methods to meet new specs.