For the sake of this argument I will assume that the insulation they are referring to as being asbestos was probably pipe wrap for a steam radiation heat system.

I downsized the heating and air system but added a 2nd, separate system. 

If there is a fire, heating issue, tenant argument, police issue, inspection, etc...

Floor mat is now on the porch.Williams Plumbing, Heating & Air is my new provider

And I don’t have mortgage so I didn’t buy insurance. 2) hoa, tell me is upstair radiator who cause the leak and I should talk to upstair owner to have him fix that.Upstair owner told me that the leak of their radiator is caused because building pumped too much heat.

The roof was replaced this year and the Central Heat and Air unit was replaced within the last 3 years. 

And if the heat hasn't been on at all, due to freezing in the winters, there could also easily be busted pipes and flooding on the main floor as well.

She was propping the door open to the heated hall, which I paid to heat! 

They ones that need new roofs, have broken pipes, no heat source, or have water damage.

If it's strictly a STR market, you can see how prices fair to see if the market is feeling the heat.