Glad to hear the outcome was positive.Well being a good person Karma paid off, the insurance came back with the max I was insured for. They disallowed the corals and fish but I was expecting that. You need to have a separate rider for that. Now the wait for to get back into the hobby for six months. I will not do anything in the temp house. Thank you all for the kind thoughts and words. I will keep you advised as the Coralife news as it happens.