Insurance Claim

The babysitter smoked...something. First it was the rug, then the curtains, then the flames ran up to the roof before the firefighters arrived and put it all out.

Luckily, nobody was hurt. But now you have $22,000 in estimated damages, so you call your insurance company. Happily you have the low-deductible fire insurance rider, so you're covered for the remaining $17,000 in costs past the $5,000 deductible. You'll make your insurance claim just as soon as you fire the babysitter.