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Well exactly. That's all I'm saying. Mediation services are going to have their hands full. That's why I'm interested in watching this presentation.
Sure it is sad about the landlord's change from long-term profit to a short-term loss. Earlier someone sighed that perhaps the landlord chose not to buy flood insurance, and you said it again - "what if she can't afford the loss of revenue?". But the competence of the landlord's decisions and investments (hopefully they are prepared for such eventualities) are their own, and are not something a tenant should care one whit about. Maybe being a landlord isn't the right business for the landlord to be in. Whether a landlord has saved up enough money to go back into business quickly or not, or how they decided when faced with their choice about whether or not to buy flood insurance, is none of a tenant's business - literally, it is NOT THEIR BUSINESS. Appeals to emotion are fine, but not relevant.
Your suggestion that a tenant should break their lease is absurd. If you are a landlord - and you must be, or you wouldn't be defending taking advantage of tenants - then you know darn well that would affect the tenant's credit score (unless you mean taking the landlord to court and winning, which would cost more than the rent).
Lastly, both you and I were wrong when we said that the landlord is the only one that suffers a loss. I failed to acknowledge that tenants lose possessions. I did not (not anything important), but of course many did and so the notion that landlords are suffering and suffering alone is far from reality.
Like many Boulder renters, my landlord is refusing to provide me with a deduction for the "diminished value of the premises" because she feels that the change from carpeted floor to bare concrete (and the smell of mildew from damp drywall, and the removal of the bathroom sink) is "purely cosmetic". She says that since FEMA has not declared the place uninhabitable, she owes me no consideration whatsoever. These tyrants need to be stopped.