Happy New Year 2020 to All of You! Allow us to thank everyone involved with the restoration project recently and satisfactorily completed, as part of our insurance claim at our residence. Obviously, the entire event was unforeseen and somewhat traumatic for my wife and me. However, this unplanned "unpleasantness" was significantly softened by the behaviour of the entire "restoration team" involved. So, let us list the main actors on that team: To: CROSSROADS INSURANCE, our real-estate insurance agents for nearly 50 years, thanks for their immediate - "no questions asked" response to our problem. Thanks to "now-retired" Tony McRedmond, its founder for developing such an excellent organization. To: INTACT, the insurer, who took care of all financial matters pertaining to this event. To: Jeanette, the Adjuster, who very promptly got everything off the ground and managed changes. To: FIRST ONSITE RESTORATION, the main restoration contractor, for the super-professional way they approached and managed the solution to our problem. The organization was efficient and helpful every step along the way. We were quite impressed by their company staff and by the caliber of the trades-subcontractors that were assigned and continuously monitored for quality. To Ron, of FIRST ONSITE, the person most heavily involved with the actual evaluation, scheduling and monitoring of the work, for his professional, friendly and attentive assistance. To Darren, of FIRST ONSITE, who assisted Ron in the second half of the project, for continuing FIRST ONSITE's, by then expected, level of professionalism, helpfulness and friendliness. Our thanks to all of the above for what each did! No one is pleased with paying for "Home Insurance", and we are just like everyone else. However, we have to admit that when unforeseen circumstances make one need it, one should be glad one has it. We are glad we had it.