I figured I'd add an update to this. The lady changed her mind and decided to go through her insurance. The insurance company's shop quoted 710.00 worth of damage. They didn't get back to her for a little while but yesterday she called and told them her bulb blew out from the rain we've been having and mentioned her lawyer. They told her they'd call this morning, which they did, and said they had a check waiting for her, which ended up being for 2400.00. I guess things work out for the better sometimes.