Here's a good one... My friend's (best man, actually) house had a car drive into it the other day. Fortunately, no one was home, and the driver was unhurt (she swerved to avoid a deer, drove through the kitchen instead).

Anyway, the house is fairly small, and has major damage. It probably should be totaled (2-story house, pushed off foundation, the roof is collapsing and every day, there is more damage such as cracks spreading, tiles, walls and ceilings cracking in new parts of the house, etc.).

The insurance company has sent two different contractors to provide estimates. BOTH of these clowns said that no load bearing walls were affected. Are you sitting down? This house only has one interior wall, running right down the spine, holding up the second floor!!!

I think he's in for a long fight with a bunch of morons.

Mike