Ask them to please open a claim with their insurance company and give you a contact for the adjuster.If they will not do this voluntarily go through your contract and reference any sections which require THEM to carry insurance.

You don't have to, decided to do so, because we felt like that was the safest option and to not carry the liability personally, however, it is not required. 

One thing to remember with the lower down payments for your personal home is they will have the higher carrying costs as the mortgage will be larger. 

I have rentals that can carry these indefinitely.  

He started  with an environment that nurtured him and not butchered him.

Too many people want everything (and now) and don't save up or find ways to cut spending when needed or earn extra income.I also wonder how much of the credit card debt is spending vs balance being carried forward to the next month. 

The most southern OR city of Brookings offers tremendous value, and the difference in taxes, insurance and associated carrying costs for crossing the State Line are considerable in comparison. 

And continue to do so for the life of the rental property each year carrying forward losses?  

Hahahah WTFI love it you filthy animal lol 🤣I know it's illegal but I would tare down $40,000 worth of work for lack of payment.Have seen it done many times lolI started my career as a laborer in Sydney.Swept floors for 4 years and carried sheetrock, studs, etc...High rise office fit-outs.Could never take the elevator with the white collar folks as we "where" filthy animals.Funny thing is, I made more money than most of the suit and tie guys 🖕Construction in Oz is very well paid and not much shady biz in not getting paid.But yes, treated like S#@% over there also.

Land cannot be depreciated.2) Whatever depreciation you cannot use in a given year gets carried forward and can offset passive income.