Also if it would have been freezing out the cost to repair would have been double the company said. 

In 5 months it is going to get cold enough to freeze your pipes.

Somebody left the laundry room door open to the outside, and the pipes started freezing.

Worse the hospital can freeze all her assets until they get paid.

You don't need to use PEX here in Florida like you would in the North because there's no worry about pipes bursting from freezing conditions.  

This winter, we had a hard freeze, which pretty much never happens here. 

Another factor is most larger institutions (National lenders, Fannie/Freddie) prefer owner occupied buyers & are making repairs to properties so they will conform to FHA financing requirements, while putting time restrictions on investor offers essentially freezing them out of the market.

I'm trying not to freeze up out of fear.  

Pipes could freeze! 

I'm currently on a free trial for realeflow  the software and looks very promising  but it's so slow  and laggy it always freezes on me   that I end up  logging out and log back in again .