Nakiea
you do what works for you and your sanity re: insurance. i was only asking if you had filed a prior claim. you don't need more on your plate than you can juggle. i hope everything gets repaired and stays repaired.
you don't need or want one thing too many. i know you have to maintain insurance for the daycare so you don't need to be searching for insurance and trying to run a business.

so i hope that today is better than yesterday but not as good as tomorrow.