Direct Energy suggests 78F (25C) for indoor summer thermostat settings, Carrier suggests 72F (22C). 

@Jorge Leon I can send you some insurance carriers we use for our Chicago investors.In regards to the "80% coverage", I believe they were referring to 80% Coinsurance. 

.* My insurance carrier does not accept escrow payments, so I would need a solution that wouldn't require escrow or something creative with the escrow.Property Details:Duplex located in Wisconsin (city of approximately 9,000 people)Purchase date:  05/10/2024Purchase Price:  $85,000Rehab:  $31,000ARV:  $140,000 (still need to have appraisal completed - this is based off of my comps)Projected rent:  $1,450 / month (just listed so no leases yet. 

If so, those are your only available carriers as of right now. 

I am getting told many carriers do not want to write policies in Harris county while we had no hurricanes or floods or anything in last 5 years.

It's been a while since we used them, we eventually had a broker find us a carrier for our portfolio and they don't require fixes like that (although we have a high deductible). 

Several new carriers have been approved for FL for insurance which should (emphasis on should) alleviate some of the insurance shenanigans going on with SFRs here.  

I tried to send messages to 200 contacts, using new twilio numbers, and got at least 100 errors.Most of them were "unreachable destination handsets" with some "carrier violations" mixed in.

Wouldn't you rather avoid the claim in the first place along with the time and expense, increased insurance premiums, being limited to surplus insurance carriers etc. rather than absorb claims simply because you have an entity? 

@David Sequeira believe me, your letter carrier wants another box added to his route.