This constant push that insurance will pay for all damage is BS. Someone ought to go and do a hour-long report on the reality.
In some cases, even if the structure was fully protected...it could be months before you get the check itself, and then find that the amount of the check is only 85-percent. If you did rebuild...the insurance company will weigh all of the local damage and probably triple your insurance in the future.
Local pub had contractor-caused fire in their kitchen.
The insurance companies fought, the contractor fought and the new appliances they bought to refurbish are sitting in container ships off the coast of California
Meanwhile, their monthly expenses go on, and they have had no income for 10 months