Fire and smoke damage

@smaarch1 good idea, I will do the same.

OP. Sorry for the misfortune.  Hopefully you and your family are ok.
we can love our possessions but they are replaceable 

Man, superficial water damage is relatively easy to deal with. Electronic cleaners and a toothbrush, or similar. That is important to do quickly with ARC gear in large part because they avoided solder masks for the longest time. That means the PCB traces themselves would be exposed to corroding elements.

Then there’s internal controls and switches, and transformers, which are not hermetically sealed, which is most of them. 

It’s not unsalvageable, but this is a long road ahead. Assuming you can clean and dry them to get them working again, the long term effects of corrosion are really going to challenge keeping them going. 

"...I have to call my insurance to make sure my gear is covered..."

Generally electronic gear is only covered for about $1500 max. At least that is what my policies say. 

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.