Those cracks look to be in the sec heading down to the meter socket based on the larger size. If so they would be customer supplied and not the POCO's responsibility.
FWIW I have never even seen NM damaged under the sink. Also AC cable has the same installation restrictions as NM and cannot be installed where subject to damage.
You should be able to get some extra light just by pulling the yellow vehicle into the garage. I can't remember if that is the Vette or the Dodge truck.
And I am not there to do an inspection on the property that someone has already paid for. The HO is not going to pay for another one and if I did they would wonder why they paid for the first one when I come up with all the things that were missed.
If the MC was installed in place of NM due to physical damage concerns the MC did nothing to make it any better. MC has the same restrictions on physical damage as NM. With that said, I do not consider inside a cabinet to be subject to damage.
Wouldn't a 'plug and cord' arrangement be even cheaper? Marc A cord and plug is going to be way more than $10 pullout disconnect. Also as JK says the WH is not listed for use with flex cord.