@Matt Lindsey the insurance carrier will be obligated to give you the Loss of Rents. 

Again, the ownership of the Limited common elements (pipes that service some but not all of the units) is determined by the bylaws of the association.Normally a not at fault claim is not supposed to impact your rates if your carrier does not make a payment on it.

So far, on that deal, after 12 months, we have replaced 15 out of 21 tenants with tenants paying $80.00-$100.00 a month more than the previous tenants and we have caught HUGE water and sewer waste, along with cut insurance costs by switching carriers etc...

@Ken Gurta your approach and insurance carrier selection will depend on how many and what kind of properties you have.  

I would recommend Safeco or Travelers Insurance, 2 carriers that my agency is appointed with in GA.

Go to the broker who will shop your coverage with a number of carriers.

Looking for recommendations on insurance carriers for both the property management side and the real estate sales side as well.

More people are filing claims (because more middle class is cash broke so they have to file smaller claims than historically), Catostrophic losses, carriers are unable to reinvest the premiums to be profitable, material cost, labor shortage/cost, etc. 

Glad to chat - need to use a carrier that will provide cover for both occupancies 

The government said, you must operate at a profit loss and the carriers said, fine.