only lost sleep the 1st night as I had to wait until the next day to get the correct door for the side of the building. they took a grinder and plunged cut into the door/jamb gap and cut the dead bolt. that's why you have insurance. even my agent tells me I am way over insured. I hate giving them money, but I am at a point where I have way too much to lose over something stupid.
the other bad thing about it, is as soon as people find out what the limits are the scumbag lawyers come out. a couple years back I was hit from behind and bumped the car in front of me. the smallest of nicks in his bumper( my insurance est was like $250 or is a no fault state) as soon as he saw my insurance paper work, he dialed 911 and had the ambulance and cops roll... which ofc he refused treatment. every one on scene said the same thing he is going to sue you... sure enough about a 2 months later I was served for about ~$450k my insurance denied the claim, it was thrown out of court in about 10 mins. it was a simple money grab.
I can't stand that shit.