I'm sorry for your loss. Damn, what a mess. Was the building insured as part of your business? I sure hope so. The structure itself should be affordable to replace, it's the contents that were likely the greater value. Like others have stated, fortunately no-one was hurt.
Typical homeowners insurance policies cover detached buildings at a maximum of 10% of the main dwelling. So if your home is insured at $200k, any and all out buildings would be insured at a maximum of $20k. Living on a wooded lot in the hurricane belt of Eastern Carolina my fears lean more toward a 100' tree falling on one of the buildings, but a fire would be more devastating. I have an insurance rider on both our guest house and detached garage to adequately insure them in the event of catastrophic loss.
I think this weekend I'll finally get off my butt and throw out the 30 odd cans of leftover automotive paint supplies from the cabinets under my workbenches. Everytime I open the cabinet doors and see all of the half empty cans of thinners, reducers, etc. I think to myself that they are a ticking time bomb. I keep all of my spray cans (WD-40, brake cleaner, etc.) in a flammable storage cabinet, but the leftover gallon cans of automotive painting materials won't fit in the locker. I assume that there were chemicals involved in your fire that acted as an accelerant?
