If you saw the rest of the pictures you'd understand, It's a mess, I'm sure they work on the princible of 60% of the value (which no doubt will be far less than I assume it to be) I'll let you know for definite once the assers been to look at it.That sucks Rob. You got out of it pretty lightly though. Grass is a whole lot softer that timber.
The damage to Nelli doesn't look that bad in the picture. Are you sure it's a write-off?