Yap. An insurance inspector if they are nice enough, will let you know between the lines how you need to phrase your claim. Forgot what the trick word was when we had a leak at our house, but it was similar phrasing -- &quot;So let me remind you, if it is &lt;this&gt;, we&#x27;ll cover it. If it is &lt;that&gt; we won&#x27;t. So... which one is it&quot;. -- &quot;Oh ok, definetely &lt;this&gt; then ...&quot;. &#x2F;smile