After the recent flood, I was very lucky there was no damage to my house
That's very fortunate. What happened that it might be damaged?
It's very outdated and I need money to fix it up.
You are lucky no damage happened to your home. It is always good to prepare for accidents that may occur and have a rainy day fund.
Not really, please be quiet on things you don't know.
Sorry if I offended you, I would hoping to help. But I still really think you should stay prepared in case this can happen again. Don't you want to have a peace of mind by having extra funds of insurance?