Sometime after the inspection a water leak coming from the neighbors home caused damages to the property.

@Alex Rodgers, that fact that you could have anywhere from five to eight unrelated individuals living together under one roof. 

On day one, they completed the roof replacement and all demolition.

All of the sudden, then a roof replacement cost went from example $5K to $8K - $10K after a hurricane.

This is causing water leaks.

Inspecting revealed a water leak from the second floor, above the garage, that shorted the light.

Cost TrackerLot Purchase Price 20% - 15%Architect & Engineering Plans RenderingSurvey 1 (Stake Corners & Elevation Cert)Surveyor (Final Elevation Cert & Final Survey)County Permit Municipality Utilities District Portable ToiletFoundationSilt Fence Site Work (tree removal / 8in Dirt Scrape)Concrete SlabFramingLumberEngineering Wood Products (Trusses)Accessories & LumberFraming Labor $2.5 per sqftPlumbingPlumbing TurnkeySinksToiletsFaucets & Shower TrimElectricalElectricalHVACHvacInterior Windows & Material Back DoorFront DoorSiding, Sheathing & Cornice MaterialSiding, Cornice, Doors, Window LaborRoofRoof Deck MaterialRoof Deck LaborStanding Seam Metal Roof (optional)InsulationInsulationDrywallDrywallFirewallHang, Tape, Float & Texture LaborDrywall Touch Up LaborPaintExterior PaintInterior PaintExtra Cost (Caulk & Paint Upgrade)CarpentryDoor Handles CabinetsInterior DoorsBaseboards & Shelving (closets, utilities & Pantry)Carpentry LaborCounter TopsCounter TopsMirrors MirrorsGarageGarage Door & OpenerDrivewayDriveway Flat Work (AC Pad, Walkways, Steps, Backyard Steps)TilingTile MaterialTile LaborLVPLVP MaterialLVP LaborRailingRailingLandscapingLandscape Final gradeSODFlower BedDumpsterDumpsterApplianceseDish WasherStoveMicrowaveMiscMail BoxFinal CleaningHouse Plan PrintsWater & Electric During buildRefunds / DepositsRefundable Deposit

Doesn't need a roof or HVAC or anything big ticket for years.  

If I don't use those contingency funds for the roof work, I'll need to fork over an additional $5K in cash.

Use an inspector to perform a building inspection that checks all of the components of the home including the electric, plumbing, foundation, windows, roof, hvac, water heater and other appliances.6.