Working in insurance many moons, we did the Insurance for Dundrum when the original huge floods happened and as far as I remember after it, many Polices excluded flood or put the Excess up in the tens of thousands, so she may claim but unless she has a decent broker she’ll be hit with the brunt of it. I imagine as she rented the space they’d cover the shop damage but the stock would be separate, I wouldn’t be surprised if she never arranged any for a pop up shop.