Had the OP told the entire story about the insurance mix up, I would have been more sympathetic. Here is a fact: none of us suck. What sucks is not getting the entire story and then ragging on the ones who disagree and show no sympathy.
I can relate to the mix up as I had a not so similar run in with Farmers Insurance. On Dec1, 2022, my mortgage holder paid my new homeowners insurance in full. The bill was due Dec20th. On January 3, 2023, I received a letter from my insurance co stating if my policy was not paid within 10 days, it would be cancelled. Yesterday, Jan5, I spent close to 3 hours on the phone with my insurance co and the bank holding my mortgage. Long story short, Farmers never received the payment, the bank put a stop payment on the check they issued an then did NOTHING! While I was still on the phone with the bank, they told me they issued a new check and were overnighting it to the insurance co. What a coincidence that they just happened to be issuing a new check while I was on the phone. I checked last night and the check was dispatched.
What galls me is if I had given up and not spent 3 hours on the phone, I would be screwed. The bank and insurance co should have worked this out and I should not have had to get involved as there was plenty of money in escrow and the bank should have followed through. If something similar happened to Timbernation, then I take back what I said.