It can pay the adverse party to drop its claim to the property, it can pay the Insured the recoverable loss or it can retain counsel to represent the Insured in an action to defend against the adverse party's claim. 

What can we do to fix this issue how can we defend ourselves.

What can we do to fix this issue how can we defend ourselves.

Every rental is in pristine sparkling condition, why am I defending?

You better have weekly detailed records of your time if you plan to defend that claim.

My policy paid to defend me and settle the case.It is true, a homeowner's policy does cover many of these things on your personal home, but it won't if you are renting your home out as a hotel. 

DeedA written instrument, which has been signed and delivered, by which one individual, the grantor, conveys title to real property to another individual, the grantee; a conveyance of land, tenements, or hereditaments, from one individual to another.Quitclaim DeedAn instrument of conveyance of real property that passes any title, claim, or interest that the grantor has in the premises but does not make any representations as to the validity of such title.Warranty DeedAn instrument that transfers real property from one person to another and in which the grantor promises that title is good and clear of any claims.Special Warranty DeedA written instrument that conveys real property in which the grantor (original owner) only covenants to warrant and defend the title against claims and demands by him or her and all persons claiming by, through, and under him or her.I believe a Quit Clam Deed, Warranty Deed and Special Warranty Deed are all "deeds", the only difference is the nature and extent of warranty the Grantor gives to the Grantee.

You need insurance anyway with LLC since you don't want to have to pay the legal fees to defend the LLC should something happen.Good luck.

My office is built around investors, I have 2 handy men I use in rotation.Tiomar (Drummond Home Renovations) on IGOkiem (Champion Tech Ent.) on IGIt wont let me add their numbers so Ill DM it to you and anyone else in need.Tell them The Investment Property Gurus sent you.Call us if anyone needs help investing or managing property in South Florida!

Californian here to defend my state!