Nice job Steve.. I always look at these like accidents on the road. They scare the h*** out me knowing that it could be me next. It looks wonderful but it sound's like the insurance company took advantage of you. Sorry to hear that, especially since it was truly an accident. Now you just have to fill it back up and then some so you can build a bigger barn.
Good luck.
Wedge
Thanks guys for all the encouragement. I can't blame the insurance company I think they treated me pretty good all things considered. Although they could only give me $1000 for my boat because I didn't have a seperate policy on it, and the replacement cost is around $17,000 I take the blame for not knowing more about my policy. Since my house was/is a wreck, I bought it as a fixer upper, it had no heating system, plumbing system, electrical system or insulation in most of it. When I bought it, house, outbuildings and six acres were purchased for $65k. The man I bought it from told me if was to keep it he would bulldoze it and start over, it wasn't worth fixing. My insurance guy looked at it and said the house would be worth around 100k once it was fixed, and since that is what I intended to do that sounded like a reasonable amount.
Because I didn't have riders on any of the "appertanent structures" they are only insured for 19% of that. Well my red barn was almost new it was 34 x 56 with a cement floor, fully insulated with fiberglass and had almost 14 foot clear center height due to being built with scissors trusses and totally lined with OSB. My old silver barn is 60 x 60 with a cement floor. The appertanent structure definition is pplied to everything that isn't a house, therefore all the outbuildings and even the board fence were only insured for around 19K. I did have replacement cost insurance on my house contents. Because I was doing a total renovation of the house, removing all interior surfaces of outside walls to add insulation, drywall and wiring. Everything that would normally be in a house (biggest item other than the boat was all my Kitchen cabinets and their contents along with new plumbing fixtures, kitchen sink and stormdoors and some interior doors and trim that I had pre-purchased for the house was being stored in my barn, we are living in my travel trailer while we are doing the work. They treated us pretty good on these items, the only thing they realy hosed me on was my 40 year accumulation of tools.
I had everything you could imagine, including a brand new wire welder still in the box and a great ingersol rand 220 volt air compressor. They allowed me 10 to 20% of the replacement value on most of my tools.
They will reimberse me the difference if I actually go out and replace them, but at almost 60 years old it seems unlikely that I will ever use most of them again anyway and I haven't had the time to go and buy them, I have been to busy rebuilding stuff.
Oh well...live and learn..
It is fair to say with a 3600 square foot old barn and a 1900 square foot interior finished new pole barn, the chicken coop, and the board fence I was probably underinsured with 19K coverage on them.
pictures show some minor structural modifications, I jacked up the roof around 6 inches in the center and installed additional support members along with replacing all the cieling joists in the kitchen area, all new drywall and plumbing, new walk in ceramic tile shower in bathroom along with jacuzi tub. I have also installed 16 new windows. I have been real busy cause I am old and move slow and have done all this work myself. I have also moved some walls, doors and support columns around.
