[maladjusted]

There is a new law in Montanananana. If your house is a total loss, the insurance company has to pay you the policy limit, not just the value of the broken shower shithole before it accidentally went up in flames while you were hunting on a band trip thereby explaining both where you were when the fire happened and why all your prized possessions were gone at the time.

Being honest and knowing shit like this sucks.