Hate to hear that happened, seems unreasonable on their part.

Having said that there is no unreasonable number, you never know unless you ask the question.

If it seems excessive or unreasonable, I reach out to guest first for reimbursement, then Aircover kicks in.

I just don't want to come off as totally unreasonable and that the first leak could partially be paid by me.  

Another benefit is that you won't be around long term tenants who know you own the property, resent you for it and place unreasonable demands on you since they feel like they know you.

With my LTRs I have been switching to all tenant paid utilities after my first winter where I discovered the majority of my tenants were setting the heat at 78 (which is unreasonable in Northern New Hampshire) and leaving their windows open in -20 degree weather.

Not that it matters since you couldn't get insurance.If they had claimed they were emotional support animals, you can still deny them if they place an unreasonable burden on you, for which I believe not having insurance counts as unreasonable.

Just non-renew with 30 days or 60 days whatever your city asks... why do you bother to reason with unreasonable people?

I don't know why you would think a tenant requesting notice before you accessed the property would be an "unreasonable demand".

A landlord should not be disrespectful or unreasonably severe.