Artist's commentary
Hang in There, Kogasa-san 3074
It varies subtly depending on the cause of the fire's outbreak, the terms/riders of your insurance, etc., but apparently, that's basically how it is. I hear the other party's insurance provides a distress payment, but it's apparently ¥10K or ¥50K or some such, which wouldn't be nearly enough if your home were totally burned down, would it. It seems the person who causes the fire has no obligation to compensate you.
Incidentally, I hear even your own insurance won't assess your household belongings at new value, and the person lamented that fire-retardant curtains that cost in the tens of thousands were only ¥3000. (^^;)