California E&S Insurance

I suspect that there's a bit of a virtuous/vicious cycle here.  Houses are a LOT more expensive in Europe, so the additional cost of a heftier roof represents a smaller incremental cost. This is one of my "bucket list" items when we retire.  Design and build (or have built) a really, really high-quality, efficient (in both energy and space) home that will cost hardly anything to condition or maintain. The ROI of various energy-efficiency approaches is well studied--insulation, roof overhangs, wall construction, heat pumps, solar, etc.  What I haven't seen as much is analysis of the ROI of making the layout more efficient.  Fewer square feet means fewer building materials as well as less externally-exposed surfaces.  And better architectural details around weatherproofing and material selection can mean a LOT of money saved on maintenance over time. The funny thing is, though, that our vinyl siding is 18 years old, and we've only had a single piece come off the house in the 12 years we've lived here.  No hail damage, no wind damage.  It's the cheapest kind of siding, yet it's...just fine.

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