Someone calls the hotline or reports the problem online and an investigation ensues.

For example, if a plumber does a sloppy job repairing a pipe and it bursts because of poor workmanship, it seems clear that my homeowner’s insurance won’t cover the cost to re-repair the pipe, but that’s a risk I’m willing to take as long as it covers the ensuing water damage more importantly.

Coming out of pocket for a new AC unit in Houston is cheaper than the divorce that would have ensued had he made his wife and kids live through 2 months of Houston summer without AC. 

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.

Same guy gave me a bid for cabinets, for my new construction and was $300 cheaper than my last guy AND includes an additional island and I don't have to spray them.The time all that would have taken me and the potential divorce that would have ensued, I'll lose the dollars any day lol. 

It's never an "everyone" or "all" is guilty of these charges, but the industry makes it extremely difficult to trust them when they make jokes like the joke that goes more/less like "take a look at all our yachts in the harbor and then someone asks where are the clients' yachts (ensue uncontrollable laughter)".

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.

Check out the "keyword" alerts in the upper right corner of the screen, and set them for terms that interest you, you will be notified when a discussion ensues about those topics, such as "Rhode Island" I've sent you a colleague request as well.