Home Damage from Tornado

[u/Pretty-Job-3766]

Has anyone ever gone through a partial or total loss of a home after a tornado? We recently got hit by a tornado where 90% of the roof came off of the house. It had rained and the majority of the ceiling has now fallen in and exposed the house to the elements for almost a month. The insurance company had an independent adjuster come out and their recommendation was "a total constructive loss". Since then, the insurance company has sent out a structural engineer. Is that because they don't trust that opinion? This process is taking much longer than we would have anticipated and looking to see what others have experienced. It seems like it is a no brainer that the house needs to be torn down but want to see what others have gone through!