They'll send out an adjuster to assess the damage/cause/liability.

It protects the complex when tenants act like humans and cause damage to person or property, the tenants insurance pays, not the complex. 

As I read your post, you haven't suffered any damages except your stop payment fee.  

The only exception is the high turnover and possibility of property damage.

I've had some damages that they have missed, other than that it's worked out.

This clause in the lease agreement provides that "In the event of termination under this covenant, Tenant may be liable for a reasonable termination charge not to exceed the equivalent of one (1) month's rent at the rate in effect as of the termination date, or the actual damages sustained by the Landlord, whichever is the lesser amount." 

If you're planning on selling  the property after 5 years or so, then put in simple laminate countertops, but if 10+ years, then go for granite because you won't have to replace it for getting water damaged if a faucet leaks.the 'better' class of tenant depends on the demographic in that area. 

Our rule of thumb is to evaluate the cost to evict & potential damage versus the cost to pay them to leave.  

Phil's brother Steve has his own contracting service and has already replaced some decking and repaired carpenter bee damage and may be staining our cabin in the spring.

It covers vandalism, water damage, theft, hazard, etc.