Homeowner's insurance claims nowdays require hiring badass lawyer, because all claims get denied whether you have or don't have particular coverages. Insurance companies assume that you broke-ass and wouldn't be able to hire an attorney and get away without paying split penny on all of your losses.
Cleaning expensive audiogear from all that dust and ash will be extremely tedious where you need to go for every cubic mm with brush on every spot or your PCB or chassis. Might be easier to claim loss. The larger your loss is the more it will make sense to hire attorney.
If your loss let's say is lower than attorney fees, then there's nothing you'll be able to do on your own but taking that loss.
Cleaning expensive audiogear from all that dust and ash will be extremely tedious where you need to go for every cubic mm with brush on every spot or your PCB or chassis. Might be easier to claim loss. The larger your loss is the more it will make sense to hire attorney.
If your loss let's say is lower than attorney fees, then there's nothing you'll be able to do on your own but taking that loss.