Medusa, I'm no help with the e-mail pictures, since I'm in the Stone Age myself, but I can commiserate with you about the rest of the stuff. OUCH! Your troubles sound miserable. Why does everything have to go to hell at once? And on the coldest night of the year?

Hang in there - eventually, everything will get sorted out. And please keep us updated on how you're doing. Is there someone you could call for advice on the insurance mess? At the very least, please call the insurance company and have a polite talk with them. In the past, I have successfully negotiated with my insurance company on payments, etc.