Roofing for example pays nearly a 2:1 ratio of tax too wage.

I live in Northern NJ and the prices here for anything are though the roof. 

Need a new roof in a 3-5 years, you probably want to be pretty liquid (year long CD, Money Market, maybe very short term bond fund etc) for those funds.On a condo board 15 years ago, I  was once able to get us into some nice CD's a decade ago that laddered with the useful life of components.

Roof, furnaces, HW tanks, windows all under 5 years old? 

Complete remodel, redid or replaced all flooring, plumbing, electrical, new roof on the garage and retied all the windows.

If it is mostly smoke damage to the interior it will be ok, but if the roof caught fire and burned away that's a whole different ball game.

Roof appeared in great shape and was reported 3-5 years old, ended up being 16+ years old and needing replaced.

My roof is terrible and the wood flooring (new) is already warping. 

,he foreclosed my home after 60 days and there’s reasons such as a storm ripped the roof off and I had to use $ to repair.

Throughout this process, I received inconsistent information from different representatives at State Auto, and my Matic agent's responses were often vague and noncommittal.Recently, another storm hit Houston, and a tree fell on my roof.