I'll be ready for the ins adjuster when they show up. I'll have a couple of quotes in my hand.
My ins co said it's not my fault so I shouldn't have to pay jack, but we'll see.
Thanks again everyone.
I would have got MY insurance company involved from the beginning. You should get estimates and professional opinions, and then go to YOUR insurance company for the funds. They can recover the money from the offending party's insurance. That's why you pay premiums. Let your agent to their job.