You mentioned about having insurance for it. I'm assuming like everything else there would be a deductible. First of all, can you fix it yourself cheaper then the deductible, second, do you want to be outside fixing it yourself and thirdly will that put your premiums up next year because of a claim. Damn ins companies, they like to collect the premiums but don't like to pay out and will get out of it if they can because all the i's and t's aren't dotted and crossed.