Nickie,Please don't think that I was accusing you of "pulling one over on the insurance company", I knew they would give you the option. They do that because there is no "fair" way to decide where the cutoff should be to force someone to do the work, nor a way to enforce that it was done. God knows we don't need that much control on us from the insurance industry! It's just a matter of opinion. I probably liked the title of your post LESS than the content. LOL :)Have a good one,Dan
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