Taking a never ending vacation eating purple ube ice cream on some Pacific Island with my dog, the Duke of Wake.Joking aside. 

All while taking my family downtown for ice cream at Galveston's ArtWalk!!

You wouldn't go to a dentist with false teeth or a barber who shaves his head so don't work with professionals who don't have invest in real estate.

Out of all the people I've ever met, these people are the most supremely confident that they are the cream of humanity, always destined to rise to the top.Repression works great.

Have room mate(s), have them pay you rent (your mortgage).

With that many units I would definitely speak with the store manager at the big box stores to see if you can shave your costs.

If I hadn't, then I never would have need to have asked any questions in this post because everything would still be peaches and cream for this unit.

Hi Tristam, I unfortunately can't offer any commercial insurers as for you but would like to comment on the loss...I'm not sure if Carrier denied this claim entirely ; if they stole wiring that would be considered Theft however I personally would consider the damages caused to the property Vandalism; in order to remove the wiring they had to gain access to the wiring and that would have probably damaged the sheetrock wall, damaged/scratched the paint, debris on carpeting (maybe metal shavings from wiring in carpet) and possibly even caused damage to the front door to the home to gain access.  

@John S. Have

That's why I always buy solid wood doors so that we can shave them down to fit into the door well.