Being that Texas is a business friendly state, companies keep coming from over taxed and over regulated states like CA.

@Mark Vivanco The rates are adjusted annually and must be filed with the FL Office of Insurance Regulation so no, they don't adjust rates seasonally.

Depending on local laws and HOA regulations of course. 

@Amy WanMaybe we are discussing different regulations?

And make sure your local regulations allow it.

There should be a real estate commission or something that regulates your state.

Let them know you know MA law.Here is the relevant part of the MA regulation on habitability: 410.550: Extermination of Insects, Rodents and Skunks (B) The owner of a dwelling containing two or more dwelling units shall maintain it and its premises free from all rodents, skunks, cockroaches and insect infestation and shall be responsible for exterminating them.  

Some of this may be a function of supply/demand in Austin too and lender's bullish nature on lending given what the regulators will allow them to do with this part of their concentration.  

or regulations? 

Depreciation details are not addressed in the Regulations, either.