This. I'm wondering if Fishy owns property or ever has. If he does, he's either the handiest man in the world with unlimited time and dedication, or does well enough for himself to afford taxes and upkeep. My friend owns a house that he took over the mortgage on when his mom died, and it's a lot of work. He's a very skilled DIYer and has a basement and garage full of tools and equipment, but even he is having to put off repairing his sewage system for financial and time reasons. This is the same guy who rented a small backhoe to dig up my mom's front yard when her own sewer main collapsed, so sometimes raw skill and knowledge doesn't cut it.
Where the fuck do you people live where you're spending hundreds of dollars a month just to keep your houses from falling apart?
Replacing a roof, floor, or getting rid of termites will cost you around $10,000
That's what insurance is for.
Insurance never covers normal wear and tear on structures. If a tree crushes your roof insurance will pay to fix it. If your roof just wears out over time you're paying for it out of pocket
And termites are never covered because they are considered basic maintenance the home owner is responsible for. ---
This signature has been deleted due to people being much too sensitive about religion.