I'm guessing you don't live in a place with tropical storms or really severe weather.
Where I am your house would flood when 80mph+ winds blow the rain up your walls.
Indeed, that is the case. However the house is only 55 years old, so a freak storm destroying it isn't out of the question.
Indeed, that is the case. However the house is only 55 years old, so a freak storm destroying it isn't out of the question.