Are you covered?

Here is a short video of what happened right next door to my brother’s house a few years ago during an ice storm.  A small fire started in the garage and burned most of the home.   Nobody expects or is truly prepared for something like this, but the home was rebuilt since they had proper coverage.  It wasn’t considered a total loss,  since by definition there can’t be any walls still standing but they were able to rebuild and get the home back into livable condition.  Thankfully, the tenants of the home were able to get out safely.