The Rants of Mister P

Last year, I burned down a kitty-litter box. Hey, these things happen. My mother came out visiting last month, saw the burnt carpet, and called the insurance company. I wasn't sure this was a good idea, because any claim you file can affect your rates. An insurance appraiser came out, determined all of the carpet in the bathroom and bedroom would have to be replaced, and quoted an estimate of $1561.58. I have a $500 deductible, and today I received a check for $1,061.58. I don't know what long-term effect this will have on my rates, but a thousand bucks for being stupid is a pretty good deal if you ask me.