Yeah not your fault. That's what insurance is about. Covering the masses for an unsuspected loss. We had almost a million dollar fire in early 1990's. Three storey poultry barn went up. Had all new wiring fire department suspect somthing wasn't done right. Burned so hot since it was full of straw and empty at the time, they couldn't tell. Could also been a stone in straw gone thru our chopper and smoulder and caught fire overnight. Hard to say. We just finished chopping straw that evening and it burned just after midnight.
I got my Quebec permit and my $35 insurance refund cheque at the same time a few days ago.
Not even sure why I ordered an Ontario Permit with this weather. LOL.