To all of my friends who have lost their homes to fire...
No matter how nice and concerned the "compassionate" insurance claim rep appears to be, they are NOT your friend in this process.  I would get a lawyer or a public adjuster ASAP. I lost my home to fire in 2016 and  wasted a lot of time dealing with the insurance company directly and then when I realized they were going to give me only the smallest amount -- I got medieval on them.  They drag the process out for the first year with slow turnarounds and "investigations" while the ALE funds are active and then get you into a desperate situation where you are forced to accept their low ball numbers.  Reach out any time and I will download some of the experience I had. Thinking of you all!
PS and be careful what you say to your insurance company. They will use everything against you... even how you are grieving the loss of your husband. They are horrible companies.