The fire happened in the laundry room in our basement. The washer and dryer, clothes, and plumbing were all destroyed. There is some damage to the beams but I don't know how extensive it is yet. The kitchen, which is directly above the laundry room, suffered a lot of damage as well. The kitchen appliances all seem to be a to be a total loss and the walls suffered a lot of damage. The fire department had to break many of the windows and force their way through 4 out of 5 exterior doors. I expect the entire repair process to take 2-3 months.
The rest rest of the house seems to have suffered only smoke damage. Smoke seems to seep into everything and the odor is very difficult. The typically process seems to box everything up and ship it somewhere else to have it cleaned.
I am considering hiring a public adjuster. A public adjuster works on behalf of an insured person and negotiates the settlement with the insurance company. They do this for a percentage of the settlement.
Like most policies, my insurance covers ALE. This does not mean beer; it means alternate living expenses. That means they pay for the hotel that I'm staying in right now and the kennel where my dogs are staying. They will also pay for the rental house that I will probably need in the future.