It came down to the negligence of upgrading an appliance when the property was managed using a property management company and I was not the owner. 

If you have a rich generous relative who loans you money and then you do your best with regards to the investment project, but you still end up loosing $20k; well it's only money and the loss wasn't due to your negligence.

Wouldn't charge for water as it's negligible. 

All that extra land is locked up in indivisible parcels - during a sale, the market assigns no (or, negligible) incremental value to the backyard land. 

Hello everyone, I got a phone call from my tenant last week that water is coming out from a pipe outside the house and it makes the house smells.  I called a plumber company - rotor rooter, the technician was able to ...

You should still go with the best rates and terms as whatever minor change to your insurance premium that ends up being required would be negligible in comparison. 

Negligible considering the other benefits and 2.

Conscious decision, timing was important, price reflected generous buffer for known needed work.What I didn't realize is, the tenants are kind of irresponsible slobs, and rather than reporting things to me or applying a _proper_ fix, they'll do a hack fix (e.g. they tied a piece of cloth around a pinhole leak in a pipe, which resulted in expensive water damage years down the line).I've run into a such few cases, where repairs were needed due to long-term tenant negligence (when they rented from the previous owner, so basically before our lease), and I'd like to protect myself and hold them accountable for any future such things that come up.

Our issue revolves mostly around the negligent which is impossible and impractical to catch with cameras on the property.

We are nor panicking instead trying to think though some scenarios and communicate/plan on paper . 1.Ownership:1.Create a “Medial Power of Attorney” to take over decision control if any/all owners get sick 2.Communicate ownership delegation with property manager2.Property Manager/Other Employees:1.Communicate CDC requirements 2.Outline and agree upon rent collection work process if city were to shut down 3.Outline and communicate a call tree identifying repair personnel 3.Safety:1.For employees: Release funds to buy protective gear while working within premise 2.For tenants: Communicate 2 times a week with CDC requirement as COVID19 is a REPDI development 3.For Owner: Identify all elderly tenants and communicate with them to call CDC if they would show any sign4.For Owner: Identify companies who does preventive medical grade clearing if any cases to be identified within premise. 4.Insurance :1.Confirm with current insurance to avoid and potential liability from owner to tenant negligence perspective 5.Operations:1.Review plan for marketing to get tenants if people were to leave during outbreak 2.Review plan for eviction during shutdown (if any) 3.Review cash position: 10 months cash supply covering 10 month of debt payment .