We have simple water meters that automatically log to a cloud database and generate a water bill directly to the tenant.

Quote from @Mateusz Motyka: Hi everyone,Looking for some guidance on a condo water-damage situation. 

Traditional 3–5 gallon tank heaters are simple and cheap, but they keep water hot constantly, which wastes energy if usage is infrequent.

Hi- Looking for input: Keeping details high-level for privacy. 3–4 bed SFH, ~2,000–2,600 sf, 2000s build, water/preserve outlook, NO private pool, standard HOA (not a resort community).

2) What did the local water department state about if they provide optional water testing?

Currently, if owners want residents to pay water, we bill based on an average of 12 months of bills and review that annually to update the amounts, OR the owner can ask the residents to be added to their bill since water must stay in the owners name.

If not, we can probably get coverage with water damage excluded. 

All I can seem to get is sewage and water back up coverage but I want to actually insure the pipes in case they break. 

If you just patch over the existing problem, you'll be back at it again in time, and it will cost much more to correct.Put the tile install on hold, demo the shower and lower walls, until you find no more water damage, usually about 3 or 4 feet up from the ground. 

My rehad cost didnt take into consideration replacing HVAC and water heater and roof which are most likely old.