This isn't legal advice, and I don't have a real-world example, but some coverage issues to pay attention to might include injuries to common law employees, injuries involving liquor, and punitive damages for gross negligence.Keep in mind that umbrella insurance policies are negotiated contracts like any other insurance policy.

Allure is ok, but for that kind of rent,  I would dress up a bit more.

The longer it sits the more damage will be done by mold, bugs, weather to the property and most likely resulting in a loss in value.

In hotter markets, sellers are providing T-3 or T-6 P&Ls but caution has to be exercised as owners can be dressing up their properties.

Each has a place in your tool kit depending on your needs.As for risk of injuries, if you are going to use tools you are going to get injured, a hammer does considerable damage to fingers.

I did the work myself, and re mediating the termites and repairing the damage cost under $1,000. 

As far as asking for damages, you would need to review your contract and any attorney modification letters. 

They are looking for advice (and I think hoping for me to pay for the damages).

They failed to see that our companies mainline was novelty hats, and seemed to  think we were just badly dressed men!

My termite guy went out to do the CL100 yesterday and found minor termite damage so that will need to get addressed.