They are good at covering small claims, but if a true negligent or 'fraudulent' accident happened, they will challenge the claim and then yo will be stuck defending yourself in a lawsuit while at the same time sing your insurance provider.

Could this be a case of HOA negligence?

However, insurance is limited because it only protects you from one type of liability: accidents/negligence.

In the short term, the lower rate with make a negligible difference in your bottom line, but access to less cash could prove to be a problem.

Taxes are negligible here.

This was negligible for an adjustment. $0.10.

What if something happens and they get hurt or damage the property, you would be negligent.

The law does not assign liability for acting recklessly or carelessly - that's a higher standard of proof for gross negligence. 

Those less-common cash sales are actually the ones that add strength to an appraisal, so it would be frankly negligent for an appraiser to systematically dismiss cash sales as a general practice.Do appraisers actually ask you if a sale "appraised"?

The tenants in my condo (upper unit) left the water running while filling a bathtub, resulting in water leaking into the downstairs condo.My tenant has $300K liability insurance, but apparently it doesn’t include any negligence water damage.