There were only a couple times when we had to have a tenant vacate their unit because of a problem - once because the plumbing overflowed and flooded the apartment; another time when the ceiling collapsed (I think because the tenant was banging on the ceiling with a broom handle because she was irritated by the noise from the upstairs tenant).But, in both cases, the tenants were no fun to deal with - even though our contract was very simple and clear on the fact that the landlord was not responsible for tenant belongings in the event of any kind of flooding, etc., and that tenants were responsible for getting their own insurance to replace their own stuff or pay for a hotel, etc., etc., etc.So, no you aren't liable for their stuff if there is a problem - but seriously save yourself a bunch of hassle by requiring insurance, including a loss of use rider.I live in low income senior housing now, and my neighbors are bad about overflowing plumbing, etc., and I can't even begin to count how often the smoke detector alarms go off because of old people leaving the stove on, etc.  

I've Posted While Irritated, especially early afternoon before nap #2. 

I will also probably be writing a lot of contracts before I get a "bite" which would irritate most agents. 

To all - Sorry if my questions/responses come off irritating.

When you get into calculating IRR, it is a little more complex. 

If my tenant gets a cold or the flu I am not giving them a break on the rent as it's their contractual duty to pay me to live on the premises.

Look at some of the stats for the flu-lots of people die every year from that (10-30K in the US) and every year we will have the flu-this is supposed to make you feel less panicked and give some perspective. 

We also have the best schools known to man kind but we can’t seem to find a cure to The Flu’s Big cousin Covid 19.  

You have a right to be irritated with this fee.

Even if you did have mold, it usually doesn't create health problems although it may irritate an existing health problem.