drunk driver almost leveled my rental

[Ryan Fox]

This is an example of why you need reserves before buying a rental property.  On Sept. 3rd, a drunk driver plowed through my single-family rental in Independence, MO.  The link to the news clip is below.  The news got everything right except the tenant was not the owner.

https://www.kctv5.com/news/car-slams-into-independence-home-family-forced-to-leave-due-to-damage/article_84511d76-0de6-11ec-9501-0ff81f381a0a.html

Luckily, no one was home.  My insurance coverage is in effect, but there is a $2500 deductible.  I can cover that because I saved.  This isn't something that really can be anticipated, like buying a home with an old roof or old HVAC, but one needs to plan for it.  

I'm posting this because I've never seen a post about someone going through an insurance claim.  I'm sure I'll learn something along the way, and will update this thread once more is known.