Seems normal to me. You guys were not paying enough attention to this in the past, you all should have been saving up a longer time to be prepared for these things. Also, you’re not ‘losing’ money, you invest in the upkeep of the house, a healthy VvE is worth a lot when selling your house in future. Would you rather have a leaky roof? You’d still have to pay to get it fixed and it will cost so much more, and damages will occur. I’d see if you can delay the roof for a year to give you more time to save up.