It will detail their job requirements and their compensation.

So understandably the insurance companies have over compensated. 

I asked for God's blessing on the survivors and their families as well as for the victims.

Search for previous violations on licensing sites, on FINRA, on MLS’s...Lastly, many fraudsters are able to repeat offend because their victims choose not to press charges or sue for fear of negative publicity.  

Those current market rates are usually higher to compensate for the rent controlled units. 

Never received any compensation from the city for the damage.

Unfortunately playing the victim is far easier than defending oneself from "attacking" said victim.

You deserve some compensation from the tenant.Here's a guide of what is not considered normal wear and tear...https://www.hud.gov/sites/documents/HSG-06-01GHBGUID.PDFand crayon markings are one of them.Multiple scuffs on every square foot high and low is also not normal wear and tear.HOWEVER, local rules will dictate how often you need to repaint.While paint is generally supposed to last 7-10 years, your local rules can cut that short, and you may not be able to prorate your repair cost.

If that's the case, obviously those people should be compensated somehow for the additional risk they're assuming.

You should also give yourself leeway using "compensating factors" in approving a tenant.