Water to the site was a challenge that has been overcome.

It included similar "loss of rental income", same liability limits, included building code upgrade, vandalism and even 10% for water damage and 5K for rot.  

Problem here the tenant didn’t declare cats as pets.She ruined the unit in one full year and it took more than $11,000 to replace full floors in two level townhouse plus other water leaks damage.tenant left without telling.Now I am asking property management must visit quarterly to catch damages early on.Ozone machines did not help much.thanks

I just returned from a Real Estate Elevated seminar and I could feel the snakes in the water the whole time I was there.

But there is nothing like the eyes of someone that has installed a water heater, replaced a breaker box or laid a floor to really get to the bottom of the true issue on a home fast. 

Here in TX the soil is mostly clay, and it shrinks and expands with humidity level (thus the need to "water the foundations" as a measure to avoid foundation cracking), so foundation problems are a common occurrence.

and two of others (furnaces, water heaters, appliances, etc.?) 

It has separate gas, electric, two hot water heaters, etc. 

Electric stove, dryers, water heaters, and high-efficiency Mitsubishi heat pumps.

The roof begun leaking this week and has caused water damage to the ceiling of my unit and I notified the HOA of my issue on Monday.