CGIA is a fun act. Among many issues, the state can use it's insurance provisions to extend immunity to entities that don't otherwise have immunity, simply by arguing the insurance would obligate the treasury (taxpayers) if it had to pay a claim. Real circular logic. They also have strict 180 day notice requirements which have obviously passed, so I don't think you're own insurance company could argue squat even if they were motivated. Everyone seems to agree you're boned.

From my own time mowing, if you cut off a steel post near the ground, sometimes you'll go beyond the sacrificial pin and straight up bend the crankshaft. $%$#ing former homeowners apparently had a mailbox there. No shrapnel from that!