A short and not so sweet story. Fellow about forty miles down the road built a short - 32 feet, I think - bridge across a small creek on new driveway to his house. Old driveway got plowed right into the wheat field.
Last year he had a grain dust explosion and fire in two of his grain storage elevators. Fire department came to the scene and determined the bridge WOULD NOT support either the tanker or pumper. Farmer lost the two elevators and the stored grain. No doubt they would have been a total loss - even if the fire dept had been able to get there. They are usually there just to prevent spread to adjacent buildings and lands. Grain elevator fires are generally EXCEEDINGLY hot and fire dept will normally just ensure the fire does not spread.
However - because the fire dept could not get to the fire - the insurance would not pay for any of the loss.
Looking for any reason not to pay?? I'd be looking for a new carrier.
I know the fire chief in the adjoining county well - - that's where I heard the story.
If the bridge you are building is on the only access to your property and home - think about this little story.