Does this cause anyone to revise their assessment of where the real estate market may be headed next year?

I know this issues will cause the rehab to take a bit longer, but now we are 1 month behind schedule.

It sounds like the negative rental reference would be just cause for denial.

Something is causing them not to sell?

They can be held culpable if they or one of their invitees caused the damage.

The ceiling had maggots and smelled nasty due to the upstairs dogs pissing into our ceiling causing the intermittent leaking (no pipes in the area, and its dark yellow liquid that smells bad).I have called our insurance who have said that since maggots were growing, its been like that a while and they cannot do anything and to contact upstairs neighbors insurance.

Hopefully a frozen pipe wont have caused too much water damage, your insurance carrier could look at a frozen pipe and deem it as neglect or lack of maintenance as water lines shouldn't freeze if properly  taken care of and thus not pay anything as far as remediation goes

The trend toward flat roofs is just silly in most areas (bc it causes water diversion problems, which then cause a myriad of other problems).

I didn’t find any unicorns yet of how to keep it super warm but will see if the cover makes a material difference Insulate your pool: Adding a pool cover or blanket can help to keep heat in the water and reduce the amount of energy needed to maintain a comfortable temperature.Set the thermostat correctly: Set the thermostat to the desired temperature and avoid making frequent adjustments, as this can cause the heater to cycle on and off more frequently, which can increase energy usage.Keep the heater clean: Make sure to clean the filter and other parts of the heater regularly to ensure it is operating at its best.Use a timer: Use a timer to turn the heater off when it is not in use.

And be aware there are RMD (Required Minimum Distributions) to cause your income to go up.As to 401Ks and the like.