They simply just don't have the correct mindset and internal drive to implement this practice, the "WHY" is clearly absent. 

Even if the vacancy rate for the building is 5% in practice, the turnover costs associated with vacant units should be budgeted in. 

You’ll learn to ask them professionally as you hone this practice.

Practice, practice, practice!

Thanks mate and great advice.We just recently turned on the marketing engine and it's been hectic.Crazy to witness how many disgruntled landlords there are in our market.It's a trend I noticed 10+ years ago but never bothered opening our doors to outside folks.I'm a more controlled business man nowadays so won't be doing any guerilla marketing tactics hahaWe are already killing the online game with simple SEO so it would be unfair to the rest if we pulled out all of our artillery lolThanks again and much success

It's very common practice and there are many forum posts regarding this type of financing.

I am HVAC certified and a not practicing home inspector, so there are no issues.  

I have worked with many investors flipping property and buying rental property (10 years of experience) and we had some set backs with our first purchase and we did buy a fixer condo lol so, theory will always be different from practice.

So the best practice is to build a good relationship with a knowledgeable insurance agent (there are pros and cons to using an independent agent or a captive agent).  

The length of your post and your position is one of emotion...and rightfully so but no contractual basis for it...and this is common practice in the industry.