[JohnN]

Steve,
I thought all home modifications need to go through the ARB?? I'd guess if there are thousands, this is standard, but it's still part of the covenant procedure.

784caroline, WOW, seems the builder should be grounding this properly at the get-go????

gfmucci, I'm not surprised the insurance companies don't give a discount - even if they work. Sounds like my health insurance not covering lasik, even though I no longer file claims for contacts and glasses. Any way to save a buck, and insurance companies will do it.