Various ways and databases to look in to find claims history.I dont work a lot on the commercial side, however know the underwriting guidelines are a bit more exhaustive vs a typical residential policy.As Chante stated, make sure the incident was a covered loss, and keep in mind if it hailed more than once, or there was a wind storm one month, tree branch fell the following week, then a hail storm 2 weeks later all in the same summer - those are 3 separate claims/events.  

We suppose to get a update from the builder about what happened and how they are going to fix the issue.Will we have to disclosure the incident to buyer if we sell the house years later? 

I want to apologize for this incident.

I had an incident similar to this 4 months ago.

A post incident pet Addendum with this information for both parties to sign and agree to ...or if not agreed to the final alternative being breach of Lease and ability to give notice if it's really that worrisome to the Landlord? 

The PMC charges me (the owner) for a service/trip fee of $40, in addition to the regular monthly management fee of 10%In one particular incidence, the tenant requested a maintenance call, the PMC went to the property, the tenant refused to let them in, and they still charged me with the fee.

One of the incident that happened today is we had sent technician to repair freeze with our expense.

You no longer have any extra cash flow to cover the next major incident for any of the properties. 

If you take payment up front make sure that the person paying their rent,  knows it goes against the account for the property, so basically they would be paid in full for the first 6 months not 12,, it's not considered a split portion of rent it goes towards total rent for the apartment,  and your not dealing with incidents if other person ditches and 1st person is stuck.  

I have clients complain all of the time about $50-$200 in upgrading things to moder code compliance, but when you look back at these types of incidents, you realize that the money is well spent.