I caught an eposide of Holmes Inspection late last night on HGTV it is always an amazing show to watch since it shows how poorly made some homes are.
In this show Mike was dealing with a 7 year old home that leaked. The problem was that the home owners had one heck of a time finding the source of the leaks since it wasn't coming in from the roof. Now the home owners had insurance and the insurance company was willing to pay to replace all the damage that occured from the water but it seems it wasn't there responsibility to get the original problem fixed and that is where Mike Holmes came in.
Mike quickly determined that that the bricks where not properly set and the flashing and sealing around the window sills was not properly sealed. So as a result water was getting into the bricks, freezing since the home was located in Toronto Canada and further damaging the bricks to allow more water into the house.
Of course this was just the first problem Mike found, other were improperly support stairs and not enough insulation to other improper seals that allows fumes from the garage to get into the house.
It was big dollars to fix theses problems thankfully for the home owners Holmes Inspection was on the job so the TV show would have picked up a lot of these costs.