Thanks Wendell. Finally a post from someone who knows what is realistic. You are so correct with your projections. We have been there, done that. We lived through Bad Sandy and you are right on! Folks, Wendell is 100% correct with what he is saying. We are in the USA, not SXM and when it comes to insurance, claims, repairs, etc., etc., etc., you will wait.no matter where you are. Some don't get it and you will be a lot better off to accept the things you cannot change. To Eric, we waited over 5 years to get done what had to be done, so hang in there, you may wait a long, long, time.