And on a side note (and this is an insurance stand point since I work for an insurance company and these things always come through our office): Don't always count on your renters insurance to pay for damages. It may be covered, but you also have to pay the deductible and the claim will be on your record for 7 years. So you will be surcharged for it for the next 7 years. If it is $1,000 worth of damage, most of the time it is not beneficial to turn it in to the insurance. I know, it sounds crappy, but that's the way our world is nowadays. We just insured a home for a family who had a claim 4 years prior. They forgot about the claim since it was so minor (about $1,000) and their policy was surcharged and they were placed in a higher rating tier. This happens at all insurance companies. They hide it in the rating tier so most of the time it doesn't even show that you are being surcharged. So people think they aren't being charged for it, but they are. That's just a little heads up in case you decide to turn in a small claim. And I say that $1,000 is small because you end up paying that $1,000 in the deductible and the surcharges. Our marketing rep always tells us to save the claim for the big one. Meaning your house burns down or a tornado destroys it or you are being sued.