We ended up with 10, 40-yard dumpsters to clean up the meth nest ensued around the previous single wide.

You may want to file a claim with the Association and force them to deny that the damage to the Heater & ensuing damage are not their responsibity.  

While the Master Policy sounds interesting, and you can explain the advantage to me, what I want is exactly as you describe the umbrella policy, increased liability coverage so a suit on one property does not endanger the others without having each in separate LLCs with all the ensuing paperwork and cost that entails.

If anything is uncovered that was not previously known or disclosed, a renegotiation ensues for a credit or price reduction.

To make a long story short, the cops were tipped off by an aquaintance of his, raided the unit (battering down the front door), and trashed the place during the ensuing search.

[Also in principle, I'm not a fan of the lack of Owner control that ensues with many HOA's].

If the association has folded, I'm sure there is some sort convoluted process that ensues. 

(Happened to a PM near us, he went bankrupt over the ensuing case). 4) repairing gas lines now is expensive - no one wants to repair a line - they want to replace all the lines in the house if there is a single problem.Another thing to consider is that with broken screens - you are now in violation on tenancy laws in Florida, think $1500 fine if anyone reports you.* Replace missing cover on AC unit disconnect on exterior.

But there have been instances where a homeowner with a handgun confronted a burglar in his home, a scuffle ensued, and the burglar ended up with the gun and shot and killed the homeowner.

Thankfully, the judge sided with my family and told the tenant he and all his people needed to leave "with dignity," but when the second warrant came, another headache would ensue.