The only way to know if your damage will be covered by your insurance company is to reference your insurance policy agreement or consult with your agent directly. Many insurance policies will cover flood and fire damage, but the extent of coverage will vary from policy to policy, which is why it’s important to speak with your agent. They will be able to answer any specific questions about whether your policy will cover the needed repairs, how much your deductible is, and what you’ll have to pay out of pocket.