In article , "Bill Denton"
writes:

Think of it in terms of someone who drives a car into your house. Even if
your homeowner's insurance initially paid, they would attempt to recoup
damages from the driver of the car.

True. But do you ever fully get compensated for being out of your house while
it is being repaired?

Plus, installing strobes definitely would have had a direct impact on their
insurance premiums as well.

John