As in there wasn't sufficient coverage to pay the total replacement of the structure....
or
As in co-insurance was applied....
or
As in not enough ordinance and law coverage?
In all cases, I have not, but the last one comes up from time to time. I just haven't experienced it.
On all 3, in days gone by, the house becomes an ATM machine with a construction loan on it, usually. Nowadays, I doubt thats possible in most situations.
