Answer: $800 or Above $800
Explanation: Visa will only be indemnified based on the total damage the fire caused, because in property insurance no one knows the extent of a damage initially untill the loss occurs then they make use of loss adjusters and surveyors to know the extent and amount of claim payable.
However, this is a third party insurance and idemnity will pay paid by the insurer based on the insurance policy Visa wrote.
Logically, it can not be less than $800, because Visa wanted to safeguard her money that is why she initiated the policy.