Forensic Building Science Inc.,Almost a year ago my home suffered significant damage to a portion of the exterior. Gutters were torn off, shingles and tar paper were hanging from its eaves, and the first thing I said to my wife was not to worry, this is why we have homeowners insurance. I had never made a claim and was unfamiliar with the process, but all the commercials I had seen on TV told me I had a good insurance company and they would be there for me when I needed them. I called my agent and sure enough, they sent some folks out to check on my house. Much to my...