Thank you. Though I seldom go to Church, out of laziness more than anything else, I am religious enough to pray every night and appreciate other folks' prayers.

What I've found is that items that are often cited are simply not the norm.

The important thing is to have documentation and to not be unrealistic.

The reason why most insurance companies would err on the side of providing more is the acting in bad faith issue. What happens in a bad faith case is that the damages can be awarded as a portion of the entire companies worth as opposed to the actual physical damages.

Sooooo, if a company is going to act recklessly, it opens them up to far more than what any one claim would be.