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I feel for you, and prioritising your son is probably the same choice that I'd make, but unfortunately, your tenant's and insurer's lives go on, and you just need to know that making this choice - however valid it may be - could cost you dearly. I think most people here know that it's not...

I agree with both of these comments; you would probably find that even the insurance you have would be voided by the fact that you have a hoarding tenant who you're not actively managing. I hear that you're busy, but at the very least, you need to find a few minutes to send a firm email or...

As explained, you can't take out insurance after you've already had an accident, which is effectively what you'd be trying to do if you want to be insured against the risks posed by this tenant. Why do you need to go - what is your PM doing? :confused: Why haven't they done an internal...