My insurance company paid the whole claim including the frig replacement without any kind of negotiation or bickering at all. And it was only 2 weeks after my adjuster submitted all of his findings. I am really happy and amazed and would recommend them to anyone. They are called Tower Insurance and you can only buy them through an agent, mine was an Allstate agent. (Allstate covers my townhouse but didn't want to cover my hill house as well, so they sold me a Tower policy.)
The next step is to find someone who can repair the floor and I am going to meet a local flooring guy up there tomorrow to see what he would charge me to repair it. They have worked with this material before and know about it's "issues" with being so hard that you go through a lot of saw blades and drill bits. My challenge now is how to get the floor fixed with my schedule over the next 6 weeks. I have Thanksgiving here in Moraga and will run up that weekend but in December, I am going to Las Vegas and Washington DC and Fresno so that takes up 3 weekends in a row. I might need to take a day or two off from work, oh darn!
** Update on Anthony's Video**
That video was featured on some local media shows and he was interviewed all the way over in London. The pizza place knew nothing about it until the news station called them.. and then they loved it. They emailed ARM and told him any time he is in Stockton they will give him free pizza... isn't that hysterical?