ealing with property claims is always a concern for you, the property business owner. Do you have enough insurance coverage for the loss? What if the loss is caused by a defective appliance such as a refrigerator, stove, electrical cord, and/or a water supply line? Suppose you are a landlord, and the property loss is caused by your tenant’s negligence in starting a stove fire, or your tenant leaves the bathtub water running unattended resulting in an overflow, or your tenant carelessly leaves on an electric blanket which catches on fire. Typically your insurance company will pay the covered loss less your deductible. If you are a landlord, it is prudent to require your tenants purchase a tenant’s insurance policy providing both property and liability coverage. The tenant’s insurance policy can also protect you, the landlord, indirectly. These scenarios get into an area of insurance claims we do not often hear about, the area being after- the- fact settlements.