Judgment Hour Approacheth

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So tomorrow the insurance adjuster arrives to assess the flood damage done by Tropical Storm Debby and let us know whether or not it is check/cash/money/moolah/payout worthy.  Hopefully the man will be like “You are right and we owe you money as a valued customer and so here’s a large floppy take your picture next to it check for 100,000 dollars!” and confetti falls from the sky.  

Reality: “Sorry to tell ya ma’am but this here aint covered by your policy but here’s a 20 spot for yer troubles.  Oh and I clogged your toilet.  Have a nice day.”

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Should I be really concerned that my insurance company won’t pay up?  What is the norm?  Laughter and pointing or just doing the right thing for the homeowner and paying out?

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