I'm very sorry to hear of your loss.  It's a life changing event.  To this day we measure timeline on things by "before the fire" or "after the fire".
I lost my shop in a fire 12 years ago.  I too lost a lot of items that cannot be replaced.  My insurance claim totaled $193,000.  I was slightly under insured on the building.  I was also slightly under insured on a heavily modified Jeep that I lost.  All together I left $40K on the table.
With that said, the best part was that I had replacement insurance on the contents.  The payback was very, very good.  For anyone, I suggest a visit with your agent or a thorough reading of your policies.  Replacement insurance is the only way to go.
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