You can have Home Owners and Flood Insurance and the Big Bad Wolf will blow your house down and then, you need to pay a lawyer to try to collect damages from Insurance who may never pay you. 

I sent him pics of all the damage and told him where we needed it and he was ok with it.

And they replied:"Hi ,the total judgement not only includes physical damages that you had to pay initially to secure another tenant but also includes outstanding rent balance if any and late fees if any and any other charges that may have been charged against the previous tenant.

None of the other planks are cupped or show signs of water damage. 

Pushes the cost of damage protection insurance onto the hosts and guests.

They pay the rent on time, every time, don't damage the house and don't cause any problems.

It's how those companies handle the damages that's different.

It's not common, it's inevitable.  14 years without a tenant purposely damaging a unit (knock on wood).

Be sure to spell out in your leases if you do go this route who is responsible for repairs to this type of damage.

I'm curious about the implications of having tenants with horses.Do horses typically cause damage to fences or buildings?