Thank you so much, SChinFChin, for your input. My worries are now not being liable for the claim but having her insurance dropped. Like I said, the insurance co. never knew she had tenants. I filed the claim, they asked if he was a resident and I told him he was a tenant. I called back today to revise the insurance to cover five units....We'll see. I look at this whole experience as a wake up call! It could have been a legitamate claim that the insurance co. would have denied because they were not informed of having tenants.