Oh my, are you serious? I hope not by the smiley at the end, but I can't help but think it is by the blunt way you said that. I'm sorry if that's the case man, that truly sucks, and I hope everyone was at least ok, as you said...
Insurance is cool and glad you looked at it that way, but it still must hurt some. I had no idea though, so I'm sorry for making light. You went through something pretty ****** my friend, and I'm glad to see you so resillient from it. That shows character.