Insurance was one of my first calls yesterday. Agent politely reminded me that in one of my budget cutting exercises I had modified my coverage to exclude damage to loose equipment/fixtures (don't remember his term). Thus damage to furnace is covered, refrigerator is not. Seems like one of those pennywise/pound foolish things now, but we had not experienced a similar loss in 20 years so who knows. Should probably start another thread to discuss insurance issues. Suffice it to say that I am not fond of insurance. Being self employed health insurance is one of our largest expenses and had never had a real claim until my wife had surgery a few months ago. Insurer is declining to pay most of $40k so I am probably going to need a lawyer (another thread).
We are in the process of updating kitchen anyway, so it looks like the refrigerator might be pushed to the top of the list. Still interested in any diagnostic hints as well.
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