Totally bummed
OD - I am so freaking bummed about your loss. I am glad no one got physically hurt, but one feels so violated when this happens. As to the insurance, it is pretty much what I expect these days. I just had a review on mine and you have to ask about every possibility. Lightening, wind, flood vs. sewer backup, art work, fishing equipment, boat, falling jet engines, etc., etc., etc. A few years back, I had a big tree go down and smash a section of fence and some smaller trees. When I first called the agency, I was told that I wasn't covered for ligtening, but if it had been wind I was OK. I called the owner of the agency (Nationwide), told him the story. He stated, "Well, It sounds like wind damage to me, and we'll pay for it." Luckily, I knew the guy. Most states have an Insurance Board or Commission that you can complain to, but take a wild guess who gets appointed to the seats - you got it - old insurance agents.
If anyone out there has a list of which insurance companies did right by their customers after Katrina, let me know. Those are the companies I want to support.
To Miss Nancy - She hated fishing, but loved a fisherman.