The official thread where everyone tries to catch up to Joe, and Windy keeps track of who posts on the even K's

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Yes they should, but I know how ticky tacky insurance companies can be.
Some friends of ours had their house burn, not completely down, but close. Their insurance fought them for nearly a year, like making them take pictures of literally everything. Like a drawer of utensils, they wanted individual pics of every spoon, fork, etc.. They finally after a year totaled the home. I wish you luck, sorry you got damage.
 
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