The resin in your cost-conscious choice of a woodchip roof, a waterproof goo of formaldehyde and phenol polymer, was also applied along the board’s exposed edges, but it fails anyway because moisture enters around the nails. Soon they’re rusting, and their grip begins to loosen. That presently leads not only to interior leaks, but to structural mayhem. Besides underlying the roofing, the wooden sheathing secures trusses to each other. The trusses—premanufactured braces held together with metal connection plates—are there to keep the roof from splaying. But when the sheathing goes, structural integrity goes with it.

As gravity increases tension on the trusses, the ¼-inch pins securing their now-rusting connector plates pull free from the wet wood, which now sports a fuzzy coating of greenish mold. Beneath the mold, threadlike filaments called hyphae are secreting enzymes that break cellulose and lignin down into fungi food. The same thing is happening to the floors inside. When the heat went off, pipes burst if you lived where it freezes, and rain is blowing in where windows have cracked from bird collisions and the stress of sagging walls. Even where the glass is still intact, rain and snow mysteriously, inexorably work their way under sills. As the wood continues to rot, trusses start to collapse against each other. Eventually the walls lean to one side, and finally the roof falls in. That barn roof with the 18-by-18-inch hole was likely gone inside of 10 years. Your house’s lasts maybe 50 years; 100, tops.

While all that disaster was unfolding, squirrels, raccoons, and lizards have been inside, chewing nest holes in the drywall, even as woodpeckers rammed their way through from the other direction. If they were initially thwarted by allegedly indestructible siding made of aluminum, vinyl, or the maintenance-free, portland-cement-cellulose-fiber clapboards known as Hardie planks, they merely have to wait a century before most of it is lying on the ground.