I’m happy for you that you’re paid off. I refinanced, or I’d be nearly paid off by now myself. Ugh.

You probably also understand you’re in a far minority among homeowners, and therefore my comments regarding lien holders and notes don’t apply to you.

Sorry about your hail damage. Um, the climatology around all that isn’t going to get better any time soon. Consider upgrades to ensure your investment against even more inclement weather down the road.