I may hire an attorney, but I may have finally found a law pertaining to this issue.

If your business entity has an accountable plan for business expense reimbursements, make sure to issue the appropriate reimbursements in December.

I am seeing a different insurance issue.  

My market also has this issue but I suspect less than Florida but my umbrella cost doubled last year.- as yet unknown impact from required structural inspections (bill 154).

There have been sweeping changes in L/T laws in NYS in the last 5 years. 

Just make sure you understand laws, zoning and you are eligible for lic.  

I told him I was having these issues & he just told me to keep trying.

However, you may not need to do this if you can discuss the issue with previous landlords.

That said I am unsure of the laws in your state. 

We've never actually had a tenant use it after reading the addendum (which was our goal), and I think it helps prevent problems when they understand the myriad issues involved in its use.