Well said! People should understand that insurance companies don't make that much in profit year to year. They complain about paying for it then complain when they don't get a settlement. And the number of fraudulent claims are astounding! And a lot of the time the company pays because it's good PR to do that on low buck claims. Plus a number of states insurance commissions can levee fines much like the EPA and OSHA does.
Back to the original posting. It's an assumption on the OP's part about weather or not Allen has insurance or not. And if he has insurance just how good it is. IIRC he said he had a mortgage so I will make a bet he has insurance through his mortgage, purchased by the mortgage company from the cheapest provider. My FIL took over the mortgage on a house my BIL had when he got devoiced. Several years later he lost his roof. It took the mortgage provided insurance company 6 weeks to get an adjuster there then they claimed that the national average per square was lower than the actual cost of replacing the roof. It took almost 6 months to get the matter resolved and intervention from the state. A heck of a lot of people assume that the insurance provided with a mortgage is through a reputable company. So Allen could be out on a limb until the insurance company gets things settled. That's one of the reason that every time the insurance subject comes up here I preach about getting good insurance. Yea it cost a little more until you have a fire, loose a roof or get in a wreck. When you suffer a loss that good insurance pays for itself fast.
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Today's Featured Article - New Hitches For Your Old Tractor - by Chris Pratt. For this article, we are going to make the irrational and unlikely assumption that you purchased an older tractor that is in tip top shape and needs no immediate repairs other than an oil change and a good bath. To the newcomer planning to restore the machine, this means you have everything you need for the moment (something to sit in the shop and just look at for awhile while you read the books). To the newcomer that wants to get out and use the machine for field work, you may have already hit a major roadblock. That is the dreaded "proprietary hitch". With the exception of the
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