Normal
This is just an absolutely crappy situation. If my garage goes up like a Roman Candle, I'm fricked. Ladies and Gentleman, this is a good reason to understand your policy. Personally, I'm reviewing mine as we speak. I'm pretty sure I'd get the square root of frick-all for my bikes if they vaporized. 10 cents on the dollar for tools? Now that would make me want to go apeshit crazy on some adjuster.