Meanwhile that water bill growing.

However, most tend to get very watered down with sales pitches etc.  

The only thing that sounds out of the ordinary here is the water bill

Clean water, air, peace and sunshine are nature's remedies and in over-abundance on the Oregon Coast. 

Good question, they seem to be all over the place depending on the area and I am not an insurance specialist, I think typically 1.5-2x normal rates but I could be off by a bit i have been honing in on White Hawk if you know that development and its in the pines but it does have water system with hydrants but volunteer fire department ..

It's hard to say offer amount without knowing the rehab part since that could blow this out the water.  

Metron and Southern Water Management are two that we've been talking to.

Think hiking, mountain biking, white water rafting and a community overall focused on all natural things and sustainability.

The tenant understands that the property of the Tenant is not insured by the landlord for damage or loss of any kind (action of third party, fire, water, theft, vandalism, storm, heat or cold, electrical damage, pests, mold, accident, etc.), and the Landlord assumes no liability for such loss.

My rental condo in Asheville, NC was spared damage from the flood, but when the city finally turned the water back on a few days ago, they somehow overpressurized and blew out a fitting inside a wall.