I had a tree (the neighbors tree) that fell on the roof of my rental and damaged it severely so now I have to change the whole roof.So during the hurricane I had an insurance called Citizens, but right after the hurricane they switched me to a different insurance (Slide)...Will you please help me with my questions:1) My coverage was for a policy that is not a rental but  partially owner occupied (its a duplex), because I lived there but then moved out and did not switch the coverage to a rental.

The waiver is only good for damages not lack of notice or not showing up.

Current building code requirements and local amendments should be considered forrebuilding the fire-damaged portion of the residence.The Engineer shall have no liability to the Owners, or to others for the acts or omissions of theContractor or any other Persons performing work on the project, or failure of the Contractor tocarry out the work in accordance with this letter, except where specifically inspected andapproved by the engineer and discovery of defect is possible within the normal ability or standardof care for the industry.This report is based on a diligent visual inspection of the referenced areas.

They usually have a process for filing a claim with the city for damage caused by them, and they may be willing to cover it.

Make sure you’re checking in on your tenants, getting them to document any damage, and having solid insurance coverage.

While some leases say they will remove all evidence the sign was there and restore to original condition, I doubt that happens in bankruptcy for example. 

As for damages, everyone uses the house differently and it may not become apparent for a few weeks or longer. 

The deposit is for damage.

Either way, I felt good about taking on the house with multiple exit strategies.The Tenant’s Exit: A Costly Move The tenant left as agreed—but not without causing some damage.

The sellers were under agreement with another buyer who pulled out when Helene came through (even though the restaurant suffered no damage), so they are looking to close quickly (end of year) and retire.