Insurance

Paul and I are very fortunate that we were fully insured on the day of the fire. In short, our insurance company paid for our hotel room for the nights immediately after the fire, our temporary apartment, our staggering dry cleaning bill and so on. It reminds me a bit of the old Tom Cruise movie -- Far and Away. His love interest was Nicole Kidman and she came from a wealthy family. Well, in a land grab at the end, you saw her parents and they had lost everything in a fire. No insurance. So we weren't rendered paupers by the fire. We were just so very lucky.

What I don't understand is why the insurance company sometimes treats us like we are the enemy. Why do we have to argue about whether the insurance company is going to pay for structural engineering? Perhaps the next time I receive a bill from the insurance company, I should tell them that since I didn't use their insurance last month, I should get a credit. Anybody think this would go well?