Well we may make it to Plowman after all, thanks to your ins. company. Well turns out I'm a dumbass and Melissa knows better she insisted we call ins.co. even thou I thought there was no way they would cover it. They are not only going to cover the ceiling in our room that came down but also the one in the kitchin is starting to sag and there going to cover that to . Not only are they going to cover the sheet rock the tape, texture,paint, and the fan it took out but there going to cover the carpet and pad to.I have to say if anyone is thinking about changing ins. co. look a Germania they are the shuff.