Fires Happen.
I strongly doubt that the cost of the damage here is only $200k. The contents alone may be $200k. Fires happen. This is why you need a great insurance agent to help you understand your limits of coverage. You are likely underinsured if you haven't evaluated your coverage in 5 years or more. Call us for a full no obligation or cost evaluation 410-914-5467 , or are you a big gambler?