Let me know if I'm crazy or if these guys are.
Your crazy.
![Lol2 :lol2: :lol2:](/styles/default/xenforo/smilies/lol2.gif)
It's not just a panel or a door. There's a lot more involved. $48 an hour for labor isn't bad at all. And I bet the 50 hours is pretty close to what it will actually be. These people have been doing it for years.
Won't comment on the less insurance thing. Insurance is a gamble, and I guess you loss this round.