Seems like it could possibly be an E&O claim since you've got those texts.

Second, there are a number of factors that come into play when looking to begin coverage.1) how do you want the policy to act when there is a claim. 

@Lamont Marable, @David Terbeek is right...I know it seems odd, but that is part of why the industry is so F'd up...no idea why every thug in the city wants to claim to be a contractor....anyway...You should be asking for references, examples of past work, and a copy of their bond or liability insurance...or both.

They claimed that if they get evicted, the wife, husband and 5 kids would be homeless as they have no place to go (mind you, we THINK this is a 2 bedroom unit - they haven’t allowed us access to the unit).

Well, BGE never made contact with me by phone or email, even though they claim they did.

I made the crazy decision to leave my job in medical sales with no plan other than knowing I want to start investing in real estate.

That means you can't claim certain expenses and other expenses add to basis. 

There are some websites that allow you to take rental payments, apartments.com personally I use Venmo but they claim that if your tenants are putting Rent in the subject line the company is going to start deducting a percentage transaction fee.

Did you claim depreciation in the state of WI?

That's seems like a lot of trouble since claiming a house and then unclaiming it really complicates your taxes and life in general.