Just how this bungalow is maintained is not something I spend too many hours thinking about – it is a nicely proportioned detached in a qiet country lane. I have insurance of course, but this will not pay out in the case of an emergency, if it is found that my negligence to maintain or repair something contributed to the failure. I try to keep an eye on the gutters and whenever my window cleaner asks if I want my gutters, fascias and soffits cleaned, I gratefully say. I dread the day when something really serious happens and I am left with a massive repair bill. This happened to us with our first house, a sweet victorian 1880s terraced two up two down house in an inner city. I surf the net regularly if I think there is a possible problem now, and engage experts in the property field whenever I sense a problem. Prevention is so much more cost effective than a huge bill and a need for tissues!