How serious is wind and hail in the area?

One thing you could pray for is a hail storm and insurance would pay for replacing it.

I'm only nearly 5 mos in on my venture but we need to carry the following for our residential care (assisted living)  licensed for 41 beds - but we can hold 36 beds in our current configurationGeneral Liability (We buy through an independent broker - basically covers medical malpractice, any slip/falls etc)Workers CompAnd even though you arent interested - Non owned auto insurance in case staff use their own vehicles to run an errand etc, building insurance for wind/hail etc inc general property liabilityAll of this runs around $33k to 36k a year for us - thats before health insurance for us etc - Work Comp is the most expensive part of that mix.Your best bet is likely not to find the coverage by calling yourself - you'll just waste your time - find a broker that can sell you this insurance - as far as limits - some of the limits are state mandated and will be in the regulations. 

https://newsroom.uber.com/us-dc/e-hail-to-the-chief-your-ubercade-is-arriving-now-2/

If you don't, well, now it's a hail mary. 

The biggest thing to consider in hurricane risk management areas such as Baton Rouge is your wind and hail (W&H) deductible, this can also be called a hurricane deductible/named storm or tropical cyclone deductible.

I originally hail from Riverside and spent some time running around Horsetown USA as a youth.

Also paid for was furniture for two Airbnb rooms, roughly $1600.Lucky for me we had a hail storm and I was able to get the siding replaced for $1200 deductible.PITI: $1230Water, sewer, trash: $150Internet: $90Gas: $80-100Electric: $70Rent from upstairs unit: $1100Rent from roommate in lower unit: $450Rent from Airbnb room in lower unit: $600My rents were low for Northeast Minneapolis because of the condition of the exterior of the home when I rented it and giving my roommate a great deal.

Every time it hails we have to start a new one.

Sorry, my mom is a Shakespeare buff and she would be proud :lol: So I was just about to go to the County Courthouse to file for an Assumed Name(DBA) but now I'm considering starting an LLC for multiple reasons and I'm curious as to what your opinions are.A little about me:I have not yet done a dealI have been studying for some time and I'm ready to get startedI have every intention of doing this full-time but I will not quit my day job until it's a realistic possibility(1-3 years)My only assets are my house which is homesteaded and a car with 100,000 miles and serious hail damage so I'm not concerned with asset protection at this pointI am interested in wholesaling/rehabbing(rentals in the near future)I have $10K-$20K startup capital I will be using Hard Money for my first several rehabsI have excellent credit (771)I am now thinking about starting an LLC in Texas(one-time $300 filing fee)for my rehabs because I want to build up business credit and season my company so I figure I might as well start now.Once I acquire rentals I will definitely setup an LLC but that is not an issue yet.Given the information, should I form an LLC or just do my first few deals as a sole proprietor and then get my LLC?