The barn of a farmer had burnt down and he asked the insurance adjuster for $50,000 USD.

The insurance adjuster responded, "We do not give money, we build you a similar barn instead. The same goes for example with your car, if its stolen we just give you a similar car, same make, year and milage as your own car - no money.

Farmer: "If that is your system, I want to cancel my wife's life insurance!"