I didn't know if the fire was covered under any kind of insurance. If you just had collision insurance, like many people do on a rig of that age, then of course not covered. I would have assumed that under full coverage there may be accidental coverage of some sort. Plus, trying to fix fire damage is an unknown and hard to get a loan to cover that with no insurance pay out. You can always go finance another rig, like you are doing. Too bad you can't find another low mileage NBS, unless you already wanted to jump up to the NNBS.