I am also sorry for your loss. Not to take this thread off on a tangent, but we all need to be extra vigilant in this age of Facebook and other social media programs. My family and I just went to Disney, and it was a challenge trying to convince my wife and daughter to NOT share picturs of the vacation and "status updates" in real time. I explained that we didn't want to advertise to people that our house was home empty while we were distracted, a thousand miles away from home.
Best of luck with your insurance company, and I do hope that they make you whole again (or as close to it as possible, considering the circumstances).