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Things could be worse ...

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Imagine that you were hired to inspect and certify a re-roofing job on a building that you did not design.  The reason for the re-roofing work was to repair damage caused by Hurricane Rita.  Then imagine that Hurricane Ike damaged the building again.  Now, imagine that you have just received a letter demanding a check for $3,091,985.18.  That actually happened to a structural engineer on July 24, 2009 in Texas.  The demand is from the Texas Windstorm Insurance Association.  Payment must be made within 25 days. 
Now then, things don't seem so bleak in your practice.  Do they?