Whether it happens due to weather events or simple wear and tear over time, an unanticipated repair is an unfortunate inevitability for just about any homeowner. Sometimes the repair is quick, easy and cheap, but often it is not, and can leave you with a bill just as surprising as the repair need that popped up.

Frequent issues that homeowners encounter — which include water damage, roof damage and issues with windows and doors — "come at a steep cost, with 46% of homeowners spending more than $5,000 out-of-pocket," said Courtney Klosterman, a home insights expert at Hippo, in an interview with Bankrate .

In an ideal world, you would have the cash on hand to pay the bill. But things do not always go as planned (hence the unexpected repair). In that case, there are some other ways to

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