Watthead,
I couldn't agree more about HomeOwners using a situation like this to have additional work done.
It makes you wonder just how many people actually read thier Insurance Policies.
Any fire damaged place will be bought back to the original condition that it was in before the fire.
Any betterment of those conditions, the expense will be with the Policy holder.
Believe me I've had arguments like this with HO's and Insurance Co's, we usually lose out. [Linked Image]