ok, you'd think that wouldn't be a big surprise
after all it is an insurance company and since I've had lots of experience with health insurance companies, why did I expect any thing different?
time was when you had a piece of a fence blow down they'd come out and take a look and say "yup, this fence needs to be replaced" and write an estimate for the entire job
but those days are gone
they took a look, estimated for only the portions that actually came down, took off the "depreciation" then took the deductible
the bottom line is that I told them to just withdraw the claim -- I don't want it on my insurance history when it isn't going to pay us anything
just one more thing to try to work into the budget