Bain, I went through an arbitration 3 1/2 years ago. The buyers wanted me to give them $20,000 for a problem that was discovered when they did a remodel. There were no visible signs of damage but there was evidence of insect activity so I recommended consulting a licensed pest control operator which they did not do. The arbitrator found that I could not report what I could not see. I hired an attorney as the buyers had hired one too. It cost me $5000 to win. I ate the $5000 as I didn't want to involve my E & O insurance company.