I started out with mostly used stuff and replaced it with new and even custom stuff once I had money coming in.

That there are no unpaid or outstanding claims, bills or invoices for any labor performed upon or materials furnished to either the Tenant or Premises for which any lien or encumbrance including, without limitation, materialmen, suppliers and mechanic's liens, have been asserted or may be asserted against either the Tenant or Premises."

That lawsuit is a claim for fraud, and that’s what fraud typically is...a misunderstanding and someone being “injured” and wanting to hold the other responsible for it.

Commercial often want custom to their needs and producing something beautiful can result in tearing it all out I try to improve as much as I can during turnover only.

Your home owners exemption will only apply to SFR and it will apply to the percentage of the multifamily you occupy. ie: if you live in a 4 plex as owner occupy in one unit then you can claim 25% of that as owner exemption, the other portion you can do a 1031 exchange, so as long as you buy something else you pay zero taxes.

No one informed me and one of the tenants admitted to seeing it at least 4 months ago.My question is can I claim it is not wear and tear and that they are responsible for it?

Has anybody else had a frustrating customer service experience or is mine somehow a fluke?

That lawsuit is a claim for fraud, and that’s what fraud typically is...a misunderstanding and someone being “injured” and wanting to hold the other responsible for it.

The other risk is that if you come in and kick over the hornet's nest, one or more of the neighbors could go to land court and claim "adverse possession".NC might be different, but here in MA, if you use the property of another, "openly, continuously and notoriously" for a period of 20 years, you can file an action and potentially own that property.If you really want to remove that road, you need to block it off for at least a day to break the "continuously" element of the test.  

When you submit claims, the insurance companies will track that information and it may result in some increased premiums in the future for coverage.