@Judy P.

@David and Kristin Burkart What would Judge Judy say for this situation?

It really is almost exactly like an episode of Judge Judy except without all the sass from the judge.

I recently watched an episode of "Judge Judy" where the guest of the tenant was smoking a cigar on the balcony and somehow caused a fire.

Originally posted by @Judy P.

This is real life, not Judge Judy

Also, contrary to popular belief, an “Additional Insured” is ONLY afforded liability protection under the liability portion of the policy and there is no coverage whatsoever for physical losses resulting from such things as vandalism, theft, fire, wind and hail, and so on.A PM trainer by the name of Judy Cook had some interesting points: Yet it seemed to be more beneficial for the PM company to be listed as Additionally Insured so to help focus on accomplishing the task of defending against a tenant suit.http://judycook.biz/additional-insured-vs-addition...So additionally insured seems great for commercial property, commercial business, endeavors but could be confusing for Landlords.  

If you choose to play Judge Judy (or Alex), then at least be sure to document the circumstance and why you made the exception. 

@Judy Parker thanks!

Judy if you go into the forum categories, there are state specific forums, and even sub forums for certain cities as well.