“Here, we have a fire and we have fire insurance. Vermont Mutual, we find out years later, is denying real coverage to this landlord. We all have to go on for the ride. That’s why the legislature put in place chapter 176D because they have comparatively limitless resources and our folks don’t. Not every lawyer does either,” said one of the tenant’s attorney, Carl E. D’Angio Jr. of D’Angio Law Offices.