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Interesting that they asked you if it was negligence. It seems that would be up to them to decide. But considering it’s only about $1k damage, if they won’t fix it, I would just pay it out of pocket. Heck, I carry a $2k deductible. I see insurance as something for catastrophes. This is not and a small claim only opens the door for a rate hike now, or down the road.
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