Originally posted by pxpaulx I'd try the insurance route, and also agree that either way this would be grounds for a K-5!
I just want to inject a note of caution about insurance claims. I
am not saying anyone is right or wrong about their opinions and the results they achieved.
Here in the US all insurance claims are reported to a shared database that the companies rightfully or wrongly use for determining your rate or renewal rate. Non storm related claims make you a higher risk that the guy next door who never filed a claim and has the same credit rating as you, (yes they factor that in also).
I paid insurance on 6 houses, 2 cars and a home for close to 30 years. Then I had one big claim where I was no where at fault and suddenly I am Persona non Grata with my current company. For 3 long years I was on a $hit list.
I strongly suggest you refrain from filing claims unless it absolutely necessary. OP pardon me I mean no insult, I would be especially careful where carelessness or stupidity was involved.
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