And land smack dab on my henhouse. Insurance will find some excuse not to pay. :^(
WE pay insurance companies for the pleasure of watching them find obscure, arcane, insane and seriously a pain reasons to NOT pay claims they promised they would honour as long as you paid premiums to them.
Insurance companies are worse than any parody could make them, and those who work in their sales or “adjustment” departments WILL meet G_d someday, and they can explain to HIM why they deny damned near EVERYTHING.
The insurance adjustor came out to the farm and told my Dad he couldn't give him full coverage because part of the barn was still standing. My Dad told the adjustor to follow him as he had something to show him. They walked deep into the part of the barn still standing. As they stood there with it creaking in the wind, my dad said "I don't feel safe in here." Full coverage was provided.