My friends bought a place with a big barn. Stalls on the outside edges of covered arena big.
They lived in a mobile home on the property. One year in March,(we are really close to the anniversary...) they lost the barn to a tornado. Insurance covered it, and they rebuilt.
Three years later, we are expecting a few inches of snow and a little preceding ice, so they put BOTH of their vehicles in the barn.....and it collapsed under the i1/2 inch of ice and 14 inches of snow!!
I don't break horses, I FIX them!