That tax savings is re-invested/distributed to charity and can be used to purchase a very large life insurance policy that serves as the mechanism to replace the wealth that you donated to charity.

I am a licensed and bonded Public Insurance Adjuster as well as an experienced skip tracer.

Went to college for architecture and have worked in my professional life as a building inspector, insurance underwriter, and actuary, and I lived in a 2-fam and had two more 2-fams in my hometown of Buffalo, NY, and sold those when I got a job offer and moved to New Orleans, LA. 

There is a reason things like insurance and proper deal structure exists :)

They are losing massive amounts of money monthly due to 13k worth of insurance and flood insurance annually.

We both manage our own units, and just pay a master condo insurance for all exteriors/yard/fence together.

The mortgage including the property taxes and insurance is approximately $1250 now but it's 30/5ARM so the rate will change in six months. 

Should I contact my insurance? 

My wife is in health care too.

We add in insurance, property management, CapEx, maintenance/repairs, vacancy and any other potential expenses based on the property (refuse, water, etc. fo MF and lawn care/pest control for SFR).