He was panicking.My landlord insurance covers $1M per incident with a $2M/yr maximum.

A singular incident or careless remark may not rise to that level. 

I went out there and called the police to file an incident report. 

If the landlord needs to pay fines on behalf of the tenant and collect funds from the tenant, then there will be a $25 fee per incident. 

Along with some new quotes, I'd like advice on what we can do away with to get our policy cost down without putting my partner or myself at personal risk.Here's some info on the property:- Purchased in December, 2021- Single Tenant NNN Lease- Current liability coverage is $2mm (capped at $1mm per incident) with a $10,000 deductible that also covers myself and my business partner- Property coverage is $5mm with a $25,000 deductible- Our policy shows that we have replacement cost coverage on the building, although the stated amount is $1.39mm.

The last tenant we had at one point never had a trash bin until I bought one for her and her family and we also had multiple leaking incidents due to plumbing issues in both the kitchen and the bathroom.

I did not see a cat food bowl, nor did I actually see the cat.I'm looking for feedback on my written communication to the tenant regarding this incident. 

I'd just be happy to get rid of a bad tenant without incident.

FYI, from that incident at the Beach, the agencies has tighten up their requirements and has made sure that all inspectors and Contractors are on point on the Maintenance, Builds, and remodels of the MultiFamily in Miami 

I went through 7 property managers in 5 years because I could not find an honest, competent one who wouldn't try to reach straight into my pockets and rip me off every chance they got, or be completely lazy in screening and managing tenants. 7 of them, so this wasn't just some one time I got unlucky isolated incident where there was one bad apple, they were ALL bad apples.