Remote Wyoming property - total loss experience

Had a fire that was total loss on our rural Wyoming property. Sharing the experience because rural claims are different.

Key things: 1) Response time documentation matters - it took the fire department 45 minutes to reach us. 2) Water access issues are real - they had to truck water in. 3) Rebuilding costs are higher due to remoteness but insurance wanted to pay standard rates. 4) Extended replacement cost endorsement was essential - it covered the 25% premium for remote building. 5) Wyoming DOI is small but helpful. Total loss was about $450k, took 8 months to settle but we got fair value.