Again, from what you state . . . as you state it . . . I don't agree.
You say . .
"If the roof is loaded within it's design, insurance should pay "
I'm saying again I don't agree UNLESS that "original design" is adequate to start with. Many new buildings are not.
Regardless of any of this, an insurance policy is a written contract. It IS whatever is says it is. They differ a lot. I have six barns and none have individual insurance and none have ever been inspected. All get "blanket coverage" from my house insurance - and that coverage isn't much. More liabilty then anything else.
Now, if somebody has a huge expensive new barn built - to minimum code. And then gets replacement insurance just for that new barn . . . then I guess it's up the insurance company to closely inpect it and write the policy as they see fit. If so, the small print needs to be read closely.
Two years ago, a new and huge horse stable and indoor riding arena got built 2 miles from me. They finished it in the fall. Mid-winter just when they were getting ready to open for business - the entire building came down from snow. From what I heard, the insurance company DID pay the owner for part of it, and also sued the building contractor. I'm just going by hear-say. I do know that it got rebuilt - and then the roof structure far exceeded code instead of being the minimum.
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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