Sad to hear the good people at Timbernation had a fire (and no insurance).

@anotherbob,   +100

We pay over $100,000/year for insurance. It's just good business.

@stereo5  -- Agree 1 Million Percent

I retired at age 55 after a fantastic 30-year career owning an Insurance and Financial Services corporation.  I met some wonderful people over the years, and took pride in knowing my efforts helped thousands of companies and individuals AVOID a sad situation like this.  I hate this event happened to people that I'm sure are "good folks" -- but, if a business owner refuses to pay for a product that makes sure their company can rebuild from a tragedy, continue to pay the salaries of its employees, and protect the legacy and the untold financial resources that has been pumped into it, then I'm going to question the decision making, soundness, and reliability of that company's products and warranties.

I'm sorry if that sounds callous and "mean", but for pete's sake...manufacturing a wooden product and not having business insurance to protect you from fire, water damage, dust explosions, or other hazards common to wood products companies???  That is utterly and mind-boggling absurd.  As @lordmelton said above, good luck finding an insurance carrier now that will touch you with a 10-foot pole.  And if you do, your premiums will make the pre-fire quotes look like chump change.  One of my favorite insurance quotes fits this situation to a tee:

"The time to call State Farm in order to buy home insurance IS NOT when the fire is coming down the hallway..."

Maybe they couldn't get insurance. Our previous insurance company kicked us to the curb because we made a claim. 

I have sympathy for people going through tough times. Some of you are smarter than you are wise.