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Brenda Culpepper had been looking forward to coming home to Charleston after staying in Atlanta with her best friend, Madeline Smith. But when she came home with Madeline, Brenda saw something she had never expected. Her spacious, split-level house had been broken in half because a large tree had fallen on her house, breaking the house in half. Luckily, her house was insured. While Brenda was out of town, a huge, strong thunderstorm had come through Charleston. It wasn't as dangerous as a hurricane.

Brenda and Madeline inspected the damage. Most of the living room, her home office, and her bedroom were damaged by the large tree. Brenda then called her insurance agent about the damage. Madeline took out her digital camera and took pictures of the entire house. Brenda felt a little upset about her damaged house, but was really glad she was out of town when it happened.

A couple of minutes later, Joseph Livingston, Brenda's insurance agent, came over to inspect the house damage. The weather in Charleston was clear and pleasant, compared to the treacherous storm that had occurred a couple of days ago. Six-foot-five Joseph had inspected the damage while five-foot-five Brenda made a list of items that were already damaged from both the tree and the storm.

"Ms. Culpepper, I have an estimate on the damages to your house. You'll have a hefty settlement check in a few days. In the meantime, do you ...

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