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The insured is a renter of an apartment. After her term was up, the apartment complex charged her for carpet cleaning, painting, blind cleaning, and full cleaning of the apartment plus rent loss, chips to the stove, a broken refrigerator door handle, broken drip pans, and interest.

She has an HO 00 04 10 00. Does any of this constitute "an occurrence"? I do not believe they were accidents. She did not maintain her apartment well and broke some things.  Also I do not believe the rent or the interest charges would constitute "property damage."

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