Her insurance company has been wonderful! They told her she didn't have to pay her deductible after finding out she spent the night in her house that night, with no power, to make sure the pipes didn't freeze. It was 10 degrees when the firefighters were on her roof, and it was even colder that night. The next day they bought a generator to run a heater for the basement, and then hired a company to stop by every day to put gas in the generator. I'm very impressed with her insurance company... it's Farm Bureau Insurance.