They may claim it's "cosmetic" and make you pay the deductible. I've heard you have to have an entire line of dead pixels before they swap it out for free, but I'm not sure if that's true or if that's with or without insurance. If they tell you that, I'd try another store. I've found that the store outside of the city will work with me more than the one downtown, so try a different one before paying for anything.
My Evo + xda Premium App = This post.