Listen to this gentleman's very sound advice. It doesn't happen often (i.e. an insurer settling a claim without securing a proper and complete release which satisfactorily protects its insured), but when it does, it is messy, and nothing you wan to tackle as a pet project. Go with the bird feeder, instead, LOL, and hire a lawyer for a coverage issue if it truly comes to pass that there is such an issue. Best regards, Dave Dohner, Esq.