the garage is all torn down, the home itself is in bad shape, according to the county appraisal the "grade" for the house is a D. we have tried to do the repairs ourselves, saving receipts and everything but it has gotten to the point where its too much to handle. by the way i live in houston, texas.

No, it won't. Here's how it works: you apply for the policy, you send in the full premium amount. You have to declare damages on the application. Within 10 days, they send an inspector out to look at the premises. They give you a list of repairs that YOU have to make, at YOUR cost. They give you 30 days to make the repairs, and if it's not done, they cancel your policy.

You have to pay for your own repairs and maintenance.

no, you have to pay for maintenance yourself.