Nakiea,

not sure if you've gone this route before but can you report this to your insurance, isn't that why we're all supposed to carry insurance - to pay off for calamities?

i know it's a double edge sword because the premiums may go up or worse yet - the threat to drop you but i like what my GF told her insurance company - It's what I pay you every month for - the right to file a claim (her agent told her that she'd probably be dropped if she filed a claim and she told him she find another company - she wasn't dropped nor did her rates go up).

anyway, it's a thought.