I’ll try to say this simple because it’s court life insurance cases.
In Canada during a cyclone, bad ice storm etc.
If your apartment lease is not covered you have no life insurance.
Let’s say a tornado filled an apartment building with mud, the tenant had to stay to clean up the mud to protect the lease they are covered for life insurance.
If the lease wasn’t covered because the mud wasn’t cleaned which contaminated infant formula or similac with construction glue and the baby died from it’s lungs being glued shut that means no life insurance.
The insurance company will say, the apartment had to be dried so they won’t cover the infant formula continmation as cause of death.
Citing the parents responsible for the death for not cleaning the mud.
If an illegal subet owner did not report damage they are not covered for life insurance in the unit.
If the damage is in the hallway of the building and continmated a third party…the third party is covered for life insurance.
In that case, building maintainence is not covered at all and has no insurance, they are responsible for the third party death.
They will have to pay for the rest of their life to the third party in civil court.
During a disaster if the government offers no support the tenant and building are both responsible to keep the unit or building maintainence in good standing out if their pocket or they will have no insurance.