Water 
Fire 
Mold 
If you have a loss at your home or business, many restoration companies will work with your insurance and they will be able to help you determined what your coverage is.
Can Your Electronics Survive a Flood? Water and electronics just do not get along well. Water exposure can cause serious damage to electronic devices to the point where they are may be irreparable. Whether your devices were dripped on or submerged by a flood, they are likely to be damaged and malfunctioning (more)
There are several situations that would mean different things for a landlord and the tenants. It would decide who would have to pay for fixing damages. Here are a few of these situations;
Water leakages are a common household problem. It can get frustrating dealing with them. It starts as a slight drip from a damaged pipe and grows to large puddles in your home which can cause heavy damage to property.
People who live in damp and moist environments or properties that have experienced flood or water damages are often faced with the problem of mold overgrowth. Mold can grow anywhere in the home – on bathroom walls, sinks, under your carpet or on the pipes.