If its covered under your policy, then the defense costs are paid by the insurance company.

Outer moat (first line of defense), is positive cash flow.

Are the defense costs included (do the policy limits erode through payment of defense costs or not)? 

Its the difference between a compounded interest in simple interest.

(Source: Portland Urgent Care - and about every allergen and sinus clinic in the country).Your failure to manage to the lease after knowing that there was a cat on the premises could prove to be a defense should you offset the security deposit without having receipts from credible/industry trades with their findings noted. 

It compounds

In my defense, you should have seen what I originally wrote before judicious use of the Delete key.I guess it'd be one thing if I said "I am a lawyer and this is legal advice.  

Her defense is that someone else promised to pay for it? 

In Georgia, easily defensible up to 10% of the rent per month in Magistrate Court.  

Not reading a contract is no defense about the contents of the contract.https://en.wikipedia.org/wiki/L%27Estrange_v_F_Gra...This is the basis in English Law, also used in the US, that signing something makes you party to the contract.