+1 on the assessor if it gets to that. We had a water/bathroom leak a few years ago. I believe the default is 'wear & tear and go fukk yerself.' But he argued our corner and got us a good lump sum. I think the system is fixed though. Our guy was 'our guy' for that week but the following week, he could be working for the insurance company afaik. So I guess they all scratch each other's back to make sure the system move along quickly (they work on commission).