If the electric company just came out and shut off service and turned it back on after my request without checking and inquiring about what I was doing then they would be negligent in their actions.Part of the business.

Looking at my own portfolio, the income from my properties is negligible compared to appreciation.

In this case it sounds like it's her negligence that caused the problem and she should have to reimburse you for the repair.It was her fault there was no heat and if she didn't like it she should have simply PAID the bill.

It is a clearly negligence on her part that created the problem and this is the second time she ran the tank empty.

Yeah but if the management/ maintenance company (myself) is negligent then the insurance claim can be paid by them.

Remember you have to be negligent, I'm not, and the insurance company pays the lawyers to defend you.

My only concern is that the owner's negligence could become my liability later down the road.

So long as you act in good faith, acting toward meeting the mission of the NP, even in so doing you make poor decissions or even negligent, you are not personally liable.

Professionals understand that they are responsible for the loss of use of a property due to negligence or failure to perform as agreed.If a contractor tells me work will be done in a week, I'll usually allow another 20% or 3 days in this case. 90 days will get them 3 more weeks, that is plenty of time for the CG to cover an issue.Toward the end of some jobs, when there is not much money left in a job you may find a CG who starts moving on to other jobs, they may tend to slack off, dragging their feet finishing a punch list.

OTH, if someone doesn't pay miuch attention to their business, they operate in a care free manner, are often negligent in other aspects of life, then doing all you can do to hide out might be a good way to go.This public liability razz is way over hiped IMO and insurance is your best solution.Hey, not implying our OP is paranoid, I know he has good reason to be concerned from other posts, but don't take legal advice from a CPA and don't ask your attorney to set up your accounting systems.