From this incident, I would like to know how you decide whose responsibility it is for repair.  

Generally rent loss is inexpensive and very valuable in the incident of a large claim.

These contractors will always be properly licensed, insured, and have proven record with us.Over the years, I have had two series of incidents where a trusted and proven contractor had a new helper or laborer on site, and we received complaints of missing items a few days later.

The law that covers this is the TCPA, which allows the people you are texting to sue you in "private actions" for between 500-1500 per incident. 

Since your business is growing (congrats), I might recommend seeking some legal advice at this point - not just for this incident, but for your business as a whole and share some of the insight you've received and like with this attorney. 

There are still shopping complexes that are unoccupied from the 08' incident. 

And remember -- even just calling to report an incident can result in a "claim," even if it's not active, never investigated, or never paid out.

Was considering moving it to an entity prior to the incident but have not done so yet and wanted to know if that would be an option for other coverages as it is under a mortgage but has been longer than a year.

If you fail to do this, a plaintiff in a lawsuit could attempt to “pierce the corporate veil” and hold you personally liable for an accident or incident on the property.Some Jurisdictions Impose Restrictions-Check to make sure that your jurisdiction doesn’t impose restrictions on entity-held investments.

What I see in many (certainly not all) of the police shootings are incidents of resisting arrest or fleeing that leads to a shooting.