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And how about "restoration". You know, the guys that have the front and back covers of every phone book? I had one, just one, company come out and give me a quote to dry my lower floor out. I had about 1/4" of sitting water, which of course, had soaked up into the drywall a couple inches.

So, the guy quotes me for 7 fans & 6 dehumidifiers to run for 2 1/2 days. My "cash" discount (not going through insurance) was $12,000. Yeah, right. 12 grand to plug 13 items in and come back a couple days later and pick them up. I went to Home Depot and rented carpet fans and bought a few dehumidifiers for $179 each. 3 days later the house was dry as a bone. The insurance claim racket is getting out of control these days.