On 25 Aug 2006 13:47:12 -0700, "
wrote:

I assume the drivers insurance is paying? That happened in our family
years ago. Its very likely Insurance will have LOTS to say May ONLY
replace exactly whats there.

Once there is an agreemrent what the insurance will pay, why would it
object to the homeowner spending more? The insurance company just
pays what it agreed to, and the homeowner pays the rest. Isn't that
fair and how things work?