It’s not a matter of there being actual damage to the unit but the tenant thinks we should drop everything and replace these within 24 hours of the occurrence.

(My current builders risk policy with NREIG doesn't cover ANY water damage at all, but we have a fire & water restoration business too, so I can handle that).We all know this already, but there's no free lunches in this world.

If my buyers walk then I will be forced to sue them for any monetary damages that will cause as well.

@Stewart J berry tenants may not regularly seal granite, wipe up dark liquids fast enough or use trivets and cutting boards — think raw chicken soaking into your counters — so we’re fine with laminate countertops, hygienic and cheaper to repair/replace if damage occurs.

our 1800 SF circa 1964 concrete block not-in-a-flood-zone triplex in Clearwater used to be around $1800 annually, but is currently $2440. 

I hope that's true because Block-head software instructions for 4797 is nuts.IRS: "If you used the home for business, you may have touse Form 4797 to report the sale of the business part".

It seems like a great draw for people especially if you are a few blocks from the beach.

The guy trashed it within one year and did 100k worth of damage.

I currently live in Boardman, just a few blocks south of Youngstown City.

Just depends on the outcome you are hoping for and how much brain damage you can handle in the process.