A few years ago we had a huge amount of snow pile up on our roof. This was followed by a melt and subsequent freeze that resulted in a massive skin of ice on my drainpipe. The weight of which ripped the drainpipe from the wall.
No insurance claim. Fixed it myself.
A thief broke into our upstairs bedroom; breaking the sliding door. He managed to steal a laptop, a vcr, some jewelry, my son's piggy bank and a few other odds and ends. We made an insurance claim and they sent over a repairman for the broken door and cut us a cheque for the rest.
The reaction to the ice was annoyance and the reaction to the break in was violation. That said, I still had no compunction to rush out and buy a gun (sorry, couldn't resist
).