Here's a good insurance story for you dorks: 
  
I spoke with an adjuster that represented my particular home-owner's policy.  I explained that the front of my house was all old, single-pane glass, and that the winter storms rattled the windows so hard that I feared they would shatter.  Will you cover the cost of replacement?   
  
He said, "Tough shit, how's that our problem...sounds like homeowner maintenance?"  
  
I said, "Okay bud, I guess I'll just let them blow in and send you a $40,000 bill for contents damage." 
  
He said, "Okay, you pay the $250 deductible, and we'll pay for the new windows.  Go get your new glass." 
  
I said, "Thanks dude, have a nice day  ."   
  
Ya see - It's all on how you approach it.