I found this on accident the other day and it blew my mind.

I pay an additional $500 per year to cover my tools and equipment, and another $200 per year to cover a "non-owned vehicle" (so that if my employee is driving to make a repair and is on the clock and gets into an accident, I'm covered if the plaintiff's lawyer goes after my company).I'll have to double-check with my insurance agent about the cost implications of forming a new PM LLC, but I don't expect it to be thousands of dollars in additional liability coverage.

Looking up water damage acceptability, it seems more like freak accidents that are unlikely to happen.

The more you do that, the better you'll get at it but even still most won't sell on first contact.Assuming you found their house D4D, their house is distressed, and it can't be fun and most likely not an accident that they are living in such a state ... they have a problem, figure out how to tactfully drill down to what the root problem is, and if you can present a solution to that problem that is still profitable for you then you can likely make a deal.One other suggestion is to to reframe it not to what they have to lose but what they have to gain.

His brother was in a car accident on New Year's Eve, and was in a coma.

I've been in the real estate business for the past 15 years and the people I currently work with I came across by accident or through closing transaction.

I rented one of the house to a 2 people, they are not family member but just friends. they signed the lease agreement together which if one person decided to quit or not paying rent for whatever reason, the other party will also be responsible for the whole amount of rentRecently, one of the tenant got into a terrible car accident and will be at the hospital for at least 3+ months and currently not conscious. his family just contact me try to see if he can quit the lease.

You can get stuck, now, for 20 minutes at a light if the line of cars is very long or there is someone turning Left on a two lane road or an accident.

If you look at the reasons why this law came into being you will notice it was due to the behavior of a single, horrifically crooked and evil individual.  

We accidently (long story) a manufactured home last year.