A Winter story that might help some folks feel better.
In Minnesota the third week of December 2006, about 2:00am I hear the drives clicking on the home computer, and I sit up and look at the lights glowing and changes brightness, and just some generally weird things. I het dressed and by know my now ex-wife is awake and yelling. I quickly run outside to see if the power company is doing some work and the garage lights glowing way funny and they are not even turned on.
I ran inside and shut off the breakers and called the power company. My youngest son’s room and electronics are fine, he had his servers connected to a fair-sized UPS with a battery rack.
We had lost the neutral (?) to the house. He ran a temporary cable, and all was well, we thought. The furnace had died in the event. Everything that was plugged in (except the youngest sons’ room) was fried. Every TV, clothes washer dryer, refrigerator, freezer, blower motor on the fireplace, etc. Even the Glade plug in was fried and had a little flame coming out of it.
Insurance covered it and the adjuster was there the next day. He tried to pass of a check for a fraction of the value needed. The poor guy did not know who he was about to tangle with. My ex had been an expert witness for the State in some insurance cases, had run a large insurance agency, worked as a consultant organizing an insurance company and multiple large and small agencies. He said without receipts it was the best he could do. She looked at him, opened the file cabinet and asked which he would like first the TV’s or appliances. She pulls out files with receipts, owner manuals, and spread sheets listing everything. Plopped them on the bar and continued with documentation on everything. The guy says, ok, just get whatever you can justify, and we will cover it. I can be back with a check whenever you want, in the meantime I will issue the check for the new furnace and hot water heater.
A quick trip to Sears for six TV’s, a clothes washer and dryer, a dishwasher, stove, refrigerator, freezer, and stuff I am probably forgetting. No amplifiers were plugged in. She even counted light bulbs.
The furnace salesman had quickly provided some milk house heaters and the house was of reasonable temperature. It did take a day or two to get the furnace and a couple of guys to put it in.