This is one of those stories that every single police procedural show on TV/streaming will have some version of in the next production cycle.
Theres just no conceivable way in my mind your commercial antenna vanishes and you dont know...nobody checked the swr? The eas output? A litany of regular federal inspections never produced an issue?
You tell your insurance company a bogus story, you get in trouble.
You put out a bogus sob story and a link to GoFundMe, you maybe don't.
Muprhy’s Law strikes again!