Rural South Dakota fire claim - lessons learned

Had a grass fire spread to our outbuildings. Living rural in SD means long response times and things can get bad fast.

What I learned: 1) Farm/ranch policies are different than regular homeowners - know what you have. 2) Fire department response time matters for claim - document when you called and when they arrived. 3) SD has different coverage rules for farm property vs dwelling. 4) Contents in outbuildings are often limited to 10% of building coverage - inventory your stuff.