"Charlie" wrote in message
...

Our insurance man has added the structure to our list of covered items in
our policy so evidently it was OK for coverage.

Unfortunately, your local agent will have little or no input into any damage
or property loss claim that you may make -- that is the adjusters and claim
reps --
a whole another breed of cat (and not the domestic kind).
If you get into personal injury or loss of life - it gets complicated very
quickly. Fortunate that you don't have close neighbors.

gb