Just so you guys know, NZI (Hayley's insurer) called me this afternoon, to ask when they can send an assessor to my house.
In short, looks like they're gonna pay up
The woman I spoke to said they'd decided that Hayley was at fault and I had nothing to worry about.
Sweet
Old man's getting back tomorrow... it'll be interesting to see his reaction to that letter.
1 down, 1 to go