We immediately called a roofing company that helped Dr. throw the biggest chunks of ice off the roof...a dangerous job to be sure and then priced us out what it would cost to put flashing under the siding closest to the roof and replace the shingles in that 8 by 5 area. Almost $700 dollar people. Not exactly what you want to hear especially when you've just spent almost 10 grand on tickets to Africa 350 on a necessary car repair but what could we do? Dr J could probably do the job for cheaper but it is freezing and the man is busy. So we paid them half, had a contract written out. We are still waiting for them to come out and do the job. Apparently the continued snow and freezing temps does not lead to ideal roofing conditions. Dr J is also going to have to patch and repaint the ceiling inside where all the water damage occurred....eventually.
Owning a home is expensive. It is definitely not for the cash strapped. Things go wrong and you are the one responsible for fixing them. Even with insurance sometimes it isn't worth it. My friend from the gym recently had a pipe in her house burst (remember it has been freezing here for months). They had damage to the walls and all of the wood laminate they had in their kitchen was destroyed. She called up her insurance company to see what she should do. "Well they said, if it is close to your deductible (which by the way is $1,000) you might just want to pay the whole thing out of pocket and not make a claim because once you make a claim we WILL RAISE YOUR RATE!" Nice one insurance company :( Remember when we used to just rent and we could call the maintenance people out to fix any home catastrophes? They might not have been fast, they might not have been great, but they were free :)