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.
That was salt-of-the-earth genius - making his point and getting to the core of the matter in 6 words. Results like that would normally take a team of lawyers and months of negotiations!