No but it was a very confusing process. I learned that because there wasn't any special coverage for the out buildings (apertinent structures, anything on the property that isn't part of the house, including fences), was only insured for 19% of the value of the house. Since the house isn't/wasn't worth much as it was built in 1923 and had no insulation in it, and it was struck by lightning and the wiring got burned up and then the Amish bought it and removed the heating and plumbing systems from it so there wasn't much value there. When I bought the place I told the insurance guy that I planned on installing a heating and plumbing system and new electrical and then I was going to add insulation and complete new interior finishes. It is about 1100 Square feet, 2 bedrooms one bath. The insurance guy said "o.k. I think it will be worth about 100K when you are done with it so that is what we will insure it for.
When the pole barn burned down the adjuster estimated it would cost $38,000 to replace it. The origional barn was insulated and finished on the inside and had three large doors and 3 man doors and 8 large windows, an extension off the south side and a 14 x 14 extension off the east end.
My aluminum boat had a replacement cost of around 16K and I had at least 4K of fishing tackle in the barn also that got destroyed. It was insured for only $1000 because I did not have a seperate policy on it.
So my loss was around $58,000 for just the boat and the building.
The south end of my house was also melted and all 4 of the south windows were broken from the heat. They allowed about $900 to get that fixed in addition to the $19,000 for the barn. They depreciated all of my tools and motorcycle parts in the barn and paid me less than ten cents on the dollar for them. I had a 44 year accumulation of stuff in there and I am to old to replace it.
I rebuilt the end of the house myself, new windows and siding and I had about as much in the materials as they had allowed for materials and labor. It was a special order 4 1/2" dutch lap siding to match what was on there so it cost a little more than the cheap stuff.