 And so if a house has a roof that depending on the lender and depending on the insurance company, if it has less than a five year, what they term a five year life expectancy of that roof, they will not insure that roof or they will not write the loan on the roof. Same thing for a foundation. If the foundation has some issues with it, some deficiencies to it, the insurance company may not insure that house or the lender may not lend money on a house unless certain things are done to.