Correction, three plumbers came out today to give me estimates. The one guy said he'll get back to me with numbers, but the two numbers I got today are $3,350 and $4,300. This doesn't include patching the walls and ceilings that need to be ripped apart.

Assuming my homeowner's insurance covers a portion or all of this, do I even want to go that route? They'll probably just jack up my rates the way auto insurers do, right?