Meet her in the middle somewhere on the cost of the repair as my lease clearly states that tenant misuse or negligence leading to damage is responsibility of the tenant.

If my global is good enough they let a negligible property slide through, but they have policy levels for both.

If I see that the price is right, and there are a lot of photos, and the crime is negligible, I found a winning neighborhood/city/area3) Here's where you get serious.

There are excluded or limited items, such as cash, electronics, collections and such that may need to be looked at specifically and insured by riders or endorsements to a basic policy, if they choose to insure over those limited amounts.The issue for you is the liability coverage they obtain under a tenant's policy, that's the only concern you have and that could reduce your liability issues, so you should check with your agent.Many variables will apply in determining their liability issues and yours as well as how and when your insurance may be affected with any claim arising from negligence of a tenant.

With the concern of a slip and fall suit I wonder what the courts consider negligent.

The differances are somewhat negligible though.

If he was negligent, they are very lucky to only have been on the hook for $1 mil IMO.

I would say that's vandalism and not negligence.

If you have been grossly negligent, I can assure you any competent attorney will file a lawsuit in the name of your LLC and all the officers of the LLC, as well as your tenants.

As long as reimbursement for the water is clearly shown in the lease along with the clause about how funds received are applied, there should be no problem with an eviction.The only way you might run afoul is if the high water usage was the result of some sort of negligence then you would have to argue that out in front of a judge.