I know several investors in Los Angeles who might be interested in those services.This is exactly why I started my website and YouTube channel... to share my Cleveland investment knowledge with others, and give a comprehensive unbiased perspective.

All of my insurance policies have medical related coverage for lawsuits.To answer the question, I have my tenants in small multifamilies handle lawn and snow care. 

Get it negotiated right upfront and require that the PM provide  Errors/Omission/Liability Insurance coverage. 

Do you have any home warranty coverage for your roof?  

Also does not hurt to try to find captive companies that are competitive on price as they at times have better claims service and more comprehensive policy with agents who know the products better as they only have to know 1 company policy vs 10. in Minnesota Farm Bureau, federated etc..

We're up here in NYS but don't pay that for a 6-plex with umbrella insurance for $625k of replacement coverage.

During the processing of the loan, the doctor went out and paid over $700K (using a loan) for a Ferrari blowing his Debt Service Coverage Ratio out of the water.

Nathan manages two dozen of my rental units, ALL which are in his coverage/service area.

As there is no lender you control the options. 1- take then money and do nothing as the lender gave you the ACV of the roof. 2- assuming you have RC coverage you can get the roof replaced and the insurance will cut another check for the depreciated amount so you are out of pocket only your deductible. 

Hopefully the driver has enough coverage.