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May I add an anecdotal incident? While I was going through my divorce, my ex & I had a duplex (renting one side, living on the other). When our tenants moved, I went in to clean it up, and that night, he broke a window to get in & see what I did. My idiot attorney told me to turn it in to our insurance company.
Not only did the insurance company not cover the damage (window, flooring, plastering, etc), but our insurance was cancelled!
The reason why Greeks pay so much more in dues now as opposed to 40-50 years ago is 90% insurance related!
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~ *~"ADPi"~*~
♥Proud to be a Macon Magnolia ♥
"He who is not busy being born is busy dying." Bob Dylan
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