[Pulnaway]

dave, your advisor should not be telling you what your insurance co is going to do. He has no clue what they will do! what they will do is send you an adsjuster. the adjuster will ask that they have it pulled down and the filter cut open to show anything that may be in the filter before he gets there. when he gets there he will look it over and take photos. you should be there at this time to see what the adjuster sees. the adjuster is the eyes and ears for the insurance co! he will understand that there is possible internal damage to the bearings and should request that they pull one or two to be checked. if there is any bearing damage he will go from there. your advisor and the shop will do whatever the adjuster tells them to do. if the adjuster will not ok the bearing check then call the insurance co and demand the bearings be checked. let us know how it goes.