@Victoria L.

That policy will pickup if the Liability coverage of the underlying policy is exhausted by a covered claim. 

Apparently the seller of the property has claimed bankruptcy.  

Arbitration and mediation are other methods of resolving disputes about the condition of a rental unit (see page 48).A tenant has another option: filing a lawsuit against the landlord to recover money damages if the landlord does not repair serious defects in a timely manner.119 This kind of lawsuit can be filed in small claims court or superior court, depending on the amount demanded in the suit.If the tenant wins the lawsuit, the court may award the tenant his or her actual damages, and “special damages” in an amount ranging from $100 to $1,000.120 “Special damages” are costs that the tenant incurs, such as the cost of a motel room, because the landlord did not repair the defects in the rental unit.

Hello,I have a tenant claiming termites are coming out of her bathroom vent.

If the PM is listed as additional insured then the insurance company must defend both of you in court on the liability claim.

She claims there is no way to clear the title and settle the (possible) overdue inheritance tax without the assistance of the current owner.  

This is why you don't claim mortgage payments on your taxes

I was even thinking of going to a lawyer to review the situation to see if there are grounds for financial claims.

Did the insurance company pay the claim?