Oh, Byron -- I'm sure that the contractors I've just used are well covered by insurance. I was trying to explain that I considered my losses to be too minimal for my spending my time with claims. Nothing could be done about the loss of years of growth, which is what mattered most. And I have no desire to sue just because I could sue. When my car was hit head on and I was severely damaged, I held out for 18 months before I would settle the case. In the end, the insurance company capitulated, and gave me what I had demanded. I'm not afraid of litigation -- I just want it to be worth my time. AMOF, when the new furnace was installed last fall, and the kitchen table and chairs began vibrating every time the furnace turned on, I threw a fit. They sent back the engineer, the sheet metal men, the electrician, the heating man -- and nobody could find a cause. My husband finally said oh, gee, it's not so bad, but I said they could take the darned thing out, if they couldn't fix it! At last they sent their crackerjack repair call man, who walked in the door, heard the furnace running, walked right over, took the door off, and pointed. There it was, the culprit, for the brand new squirrel cage was out of round. When he got it out and put it on the floor, it wouldn't even roll...! That took a lot of stamina on my part, and of course, yes, it was worth my time. My attitude is that either my husband or myself HAS to be there when work is being done. I mean Right There. Make your presence known. I don't mean pester the workmen -- I mean watch what they are doing, and be ready to protect your property. These two recent cases of ladder damage I consider my own fault. Both times, I was busy talking with the boss about the job. I should have had the sense to watch the helpers, not the bosses..... Penny, NY ___________________________________________________________________ Get the Internet just the way you want it. Free software, free e-mail, and free Internet access for a month! Try Juno Web: http://dl.www.juno.com/dynoget/tagj.