There are limitations that most personal lines policies have when it comes to coverage offered and not covered in the event of a loss. 

If you think they are going to fight you on the situation it may be prudent to send evidence up front in order to minimize potential of legal challenge, however this is completely NOT necessary.

I would say that if you're house hacking (even if it costs you money) that isn't at a loss. 

Demolition entrance porch and bathroom ( including block supporting structure (steps will remain on (do not demo)) - replace with wood to support structure and if absolutely necessary use block if needed but minimize cost here as well.Construct gable roof structure to replace bathroom and porch to meet minimum size requirements for bathroom - adjust the entrance way to bathroom only to minimum requirementsRoof must be metalAll new electrical and plumbing beneath ( I have an electrician who I have contracted to do teh whole unit)Provide the bare minimum cost kitchen counter and cabinets including sink if needed.

A calculator is a very small piece of the puzzle and often wrong because one wrong assumption can turn a profit into a loss.

One of the main things I am worried about is the potential job loss and population loss in New Orleans/Metairie.

Talk to your tax professional if the purpose is to minimize taxes.  

Overall the gist of the documents you sign seems to be that no, it can only be for losses incurred as part of the COVID economic disaster, and you agreed to allow an audit or inspection of your books to verify compliance. 

We can also offer cash-for-keys to recover possession of a home.For those tenants that claim they can’t pay rent due to a job loss, we are asking them to support their claim by providing the following:A layoff notice or similarTheir unemployment claim statusAny unemployment benefit award(s)Current bank statement to prove no employment-related deposits or unemployment benefit paymentsWe’ve updated our rent collection numbers through May 15, with the results compared to April 15 below:At this time, that is about all we can do.

As the owner of a property management company, I can tell you that many maintenance coordination activities operate at a loss.