[NiceDocter]

The person getting full value payment from the insurance company is NOT ahead as much as it may seem. Wait until the next insurance premium statement comes..... your rates could easily be going up since a claim was filed. Not that you shouldnt have done this, but there could still be costs involved with making a claim just like with any other insurance (home, auto, etc) . As for the seller..... tell him to pound sand (politely of course LOL)