All three feel like costs of earning a living, because they are, and all three are generally not deductible. One piece of reasoning explains every one of them.
Spring brings the largest volume of home improvement work and the largest volume of arguments about it. Some of the effective routes are free and rarely used.
A dwelling limit set when a policy was written and never revisited is the most ordinary form of under insurance, and the clause enforcing it is easy to miss.
Legal work is priced three ways, and the structure you are quoted says what kind of problem the attorney believes you have. That is useful information by itself.