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Wendy,
How about calling your insurance agy? B/c, from what I've gathered in the past, everyone has different insurance. Some co's will pay and some won't. It all depends on who you have and what they cover.
Good luck.
__________________
S. J. born April 05
FINALIZED lucky Friday 10-13-06 
"And all the roads we have to walk are winding
And all the lights that light the way are blinding
There are many things that I
Would like to say to you but I don't know how...
Cause maybe
You're gonna be the one that saves me
And after all
You're my wonder wall"
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