I was speaking to an insurance assessor over one of our clients who is working in the region.
Its quite weird the damage they suffered, the shop is generally fine but they have some cows as an investment, the cows are fine but the farm is an almost totally burnt out. How did the cows survive unharmed when everything was burnt is a mystery?
Anyway, what it does appear is that many people in the area devastated by the fires were underinsured. My client is too. So they are likely to get enough money to pay to rebuild all the damage. Part of the reason is that building costs have gone up a lot recently.
This is a tip. You may, when the insurance is due, look into this.