Roger Halstead wrote:

I think George was being a bit facetious with the lawn mower and
$1000, but it wouldn't take a lot of structural damage to reach half
the value of the hull.

Not exactly. Somebody hit my left flap with something like that, and that's what
the damage was. In my case, the FBO covered the deductible and insurance took
care of the rest. As ArtP points out, if I had been carrying only half value
hull insurance, it would not have been smart to present a claim, so I would've
been out $950.

The rest of your post is right on, of course.

George Patterson
Great discoveries are not announced with "Eureka!". What's usually said is
"Hummmmm... That's interesting...."