Generally, the homeowner's insurance and/or farm insurance will cover it.
Unlike floods, tornado damage is covered. Frequently, the feds step in with grants and interest free loans as well for those who did not have insurance.
Renters are generally screwed the worst. Most don't carry renter's insurance and those folks are often the ones who are least able to afford to replace what they lose.
EG
And like a bad neighbor...always there with a hand in your pocket.
EG
So I messed around with a bunch of tone caps yesterday. They all sound the same.
$30 for a vintage cap is nuts.
EG
With all the heated debates at TGP, I expected to hear something.
Nada. I could hear the different values as far as how much and how quickly they rolled off, but I could not hear any difference between materials.
EG


Funny, I noticed at a show a few weeks ago...the guitarist sounded killer all night with the band.
After the show, my brother introduced me and we were talking gear a bit and he offered to let me play his strat. Without the band playing, it didn't sound very good to me. In the mix, though, it was perfect.
Fascinating.
EG
