You didn't seem to attribute the fire to any specific negligence on the tenant's part.

That 'Proof of Response' is exactly what carriers need to see to defend against negligence or slow-response claims.2.

How can I protect myself and my family from being sued - and potentially losing life-assets - for injuries that are not due to negligence on my part (e.g., someone breaks a leg, steps on a nail, gets bitten by a stray dog, etc.)?

I would talk to an attorney to see if a negligence claim could be brought.

Even if the HOA hired a licensed and insured contractor, that doesn’t automatically shield them from being held responsible, especially if there are claims of negligence in how the work was overseen or managed.Beyond the legal issues, this kind of lawsuit could impact the HOA’s finances.

If something happened to another tenant at your property or a guest at the property, you can be sued for negligence.

If there is something that was done fraudulently or with negligence that would be taken up with the division of real estate and it could put the license holder in jeopardy.

Unless you have some proof that the tenant caused the damage or was negligent, you might be stuck with the costs on that one.  

What happens if they are negligent?

Now, if you add a hot tub your jump is negligible because hot tubs are not in demand in FL.