We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
Busted pipe, flooded basement last May. We have three 1/2 rooms down there: a bedroom with good windows and bath, a pantry, and two storage rooms (one for tools and hunting and boating stuff, and one for general saved stuff). Mostly finished rooms. Allstate sent their teams over for a couple of months and it's all better than it was before. We never had to lift a finger. Now we have a water-warning system. Thanks, Allstate.
The new pantry (minus the old second fridge which had to be cut up to get out of there. Can't live without a Sawzall.):
I know of a young lady who had a pipe burst in her upstairs and the water flowed for 12 hours while she was at work. Ruined furniture, carpet, hardwood flooring, ceilings.
The adjuster didn't want to do shit.
After weeks of fighting State Farm she finally got a hold of someone further up the corporate ladder and had to threaten to play the race and gender cards (single woman with Spanish surname) to get any work done.
They finally fixed things, but they never replaced any of her brand new furniture and the repair work was not as nice as the original.
Insurance companies generally make a distinction between something that happens all at once like a pipe breaking and something that happens over time like a leak. Usually they only pay for the stuff that happens all at once.
If my entire kitchen were as big and nice as your "pantry", I would be quite happy....muttering to self: thou shall not, not envy thy neighbor's pantry.....neither shalt thou envy thy neighbor's superior insurance coverage, neither shalt thou envy thy neighbor having an honest claims adjuster since, when one has suffered water damage oneself, one's own claims adjuster maketh the flames of one's wrath to wax white hot!