Situations covered by our policy include, but are not limited to: Maintenance issues that affect your ability to hostDeath of a family memberSerious illnessProperty damageNatural disasterPolitical unrest"So with the property under construction, I will have pictures showing "property damage" and "maintenance issues that affect my ability to host".  

Is it possible to include a clause that makes explicit that the tenant  elects not to purchase insurance and waives their right to damages and loss?  

If the agent is familiar with investments, and you do have financing/cash lined up, the agent may be concerned that your low-ball offers may damage his reputation locally.

His friend does not help with lawncare, has had an unauthorized pet on the premises, and has painted a room (causing damage to the floors and trim) which also violated the lease agreement.

I did file a claim with my INS which provides coverage because the tree fell and damaged my fence.

The high maintenance costs from last year were due to unexpected damage.  

But courts have ruled the landlord is obligated to mitigate lease ending damages. 

If it's an old leak that is not ongoing then visually you might see old damage but it will be dry.

That's roughly 105 hours.4) What has been your view on damage to brand credibility?

Granite does help with avoiding damage, and you can get cheap granite these days.