On Sat, 8 Dec 2007 13:37:20 -0800 (PST), hands on
wrote:

It's been a few days since this discussion began, so you've had some time to
contact a lawyer. What did he/she say about the situation?

recommending class action, neighbors having same issues.

More reason for a lawyer. A Judge will determine if the case is class
action or not.

What does the agent for home owner's insurance say? Unleash their
lawyers.