House Fire in log home How Home insurance works?

We had a fire in my log home last week, The fire was put out by the fire department but house has a lot of water damage, It looks like I have lots of insurance, The Building has 400k of coverage and I payed 320K for the house 3 Years ago. However the policy has a Log Construction Exclusion "The above location... show more We had a fire in my log home last week, The fire was put out by the fire department but house has a lot of water damage, It looks like I have lots of insurance, The Building has 400k of coverage and I payed 320K for the house 3 Years ago. However the policy has a Log Construction Exclusion "The above location is of log construction both endorsement 44 (Guaranteed replacement cost ) and endorsement 78 (single amount of insurance ) are excluded" could any one explain this exclusion
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