This isn't a homesteading question, but there are lots of knowledgeable folks here, and I'm hoping y'll can offer some information for me. We have some property (the place where my son grew up and our future retirement home) that we rent out for now. We are 3 1/2 hours away. This place had a huge (1560 square feet) storage building in addition to the main house. Wasn't built as a storage building, but being used for one. We stored everything in there that we couldn't fit at our current small house. All of our family photos, Christmas ornaments and other things we collected in Germany, my wedding dress, all my husband's military awards and decorations, coin collection, record collection, baby books (both my son's and my husband's), 4-wheeler, riding lawn mower, push lawn mower, etc, etc, etc. Pages and pages of things. The man next door was burning brush, in dry, windy, parched Oklahoma, and went to work with it smoldering. Wind picked up, and now we have no more stuff. My husband went down there the next day to get the insurance information, and they didn't cooperate - wouldn't tell us (they had just moved in to the house, hadn't even made their first mortgage payment). The man said he didn't know if they had insurance, would have to ask the wife. The wife wasn't sure, would have to look at their paperwork. After a week of unanswered phone calls, the wife calls us and says her company says they only pay claims in Iowa. Still won't tell us the name of the company. We finally hired an attorney to get the information for us. Three letters from the attorney and they haven't responded. We have insurance and can file on that, but I don't think we should pay the price (either cancelled insurance or much higher premiums) due to somebody else's carelessness. We can go to court and get a judgment, but this guy is not a model citizen. Since the fire, we learned he's been in prison for meth use - he's a repeat offender), and just a few weeks ago he was in jail for beating up the wife. Not the kind of guy who works 9 to 5, so even if we were to garnish wages, I'm sure he won't work long. Our dilemma is whether to just go on and file a claim with our insurance company, or try to go to court and get the judgment. If we go to court, they'll be forced to provide all the documentation we need to file a claim if they have insurance. My fear is that they don't have insurance, and that we'll win a judgment we can't collect. So that still leaves us a burned building, no stuff, plus the attorney's costs and the cost of having the place cleaned up. To add insult to injury, we're still paying on the place - have 7 more years til it's ours. And if we win a judgment that we can't collect, then we can't file a claim on our insurance. What would you do? We want to do the smart thing, not the emotional thing. Right now I'm so angry I can't think clearly. The fire happened June 19, and we still havent been able to get it taken care of because we were hoping to force their hands with the attorney. So this huge pile of ugly rubble is still sitting there waiting to be cleaned up. The attorney advised us not to touch it so the insurance adjuster (when we actually thought there might be an adjuster) could see it. Thanks in advance for any advice.