Rule of thumb: a renters insurance policy automatically covers losses suffered by everyone living in your home AND related to you by marriage, blood, or adoption.

@Joe Sullivan vacation destinations suffer the worst in a recession.

Vietnam veteran suffering from dementia and was found about .25 mile away by some railroad tracks.  

I was at the point where I felt I was suffering from Analysis Paralysis.

She has suffered a stroke a couple months ago.

You would issue a 1099C to the former tenant for the amount of the "damage" you suffered in lost rents and unreimbursed property damages when you are ready to forgive the debt.This makes the cancelled debt income to the former tenant and taxable income on the former tenant's tax return.This does not create income for you, nor is the lost rent deductible.on your tax return.

That seriously appears as if the tenant suffered from some sort of phobia or manic illness.

The idea that you are only being reimbursed or being made whole for damages is more applicable for pain and suffering in personal injury suits.   

Sure, I can take longer but also don't want to suffer from analysis/paralysis so the deadline is more "self imposed".

You will not suffer any issue of liability in reporting such issues, facts that are true, without slander.