Insurance companies, to my knowledge, almost always pay out for "normal" claims on standard policies, with some reasonable exceptions. That's why when they don't, it's news. You may not get all that you think you deserve, or you may get more (after the 2011 tornadoes, our insurance paid for a new roof, although only about a third was damaged by the falling tree).

We have filed a few claims over the past 10 years, including:

Water damage due to a sudden burst of a pipe. Required expensive drying of walls, replacement of part of the drywall and replacement of the flooring. Dealing with insurance was extremely pleasant.

Burglary of house. Lost laptops, camera, time machine, diamond earrings. Similar experience. Surpringly, the rule was: if you want to be reimbursed in cash, you get the current value (which is close to zero for a 6 year laptop). But if you buy a new laptop, you get the original purchase price reimbursed. “Hello new MacBookPro!” Zero complaints about the insurance.