The comics shop Universe of Heroes in Athens, OH was destroyed in a fire:
The two owners face an estimated $100,000 in lost merchandise — a cost that will fall on them. Insurance is expected to cover the estimated $200,000 in damages to the building and the apartments above the store.
“We must gather what is left of the store and try to build back up,” Grace said.
Insurance on structural damage covers all of the building including the apartments above the store.