Did you provide itemized list of damages.

Using a hard money loan to cover the purchase and rehab costs.The inspection revealed some termite damage to about 2 floor joists that we could see and the rest of the place was seemingly surface level with the bathrooms and kitchens needing the most work.

I buy  inexpensive cups, silverware etc that is easily damaged or can grow legs.Sheets and towels are good but not terribly expensive to replace.Haven't had much issues with damage. 

I had a guy who dressed impeccably couldn't believe what the apartment looked like when I entered it, biggest slob.

In my opinion missing screens and damaged screens should have been handled on the turn.3.

While you’re looking at that make sure they include water damage.

I haven’t had anyone tell me there was damage and also offer to pay to replace the door.  

Out of the flips that I've done, I have spent far more repairing or removing damage from cats than I have dogs.

I think OP was speaking about the amount of payout insurance gave, vs the vendor quotes to make full repair, in the time there was a thing that happened, say hail damage to a roof and the roof need replacement. 

In my state she would not be liable for the damages as a victim.