Also check out what constitutes deemed damage. I.e. I would be none too pleased that a claim for fecal matter all over my furniture & personal items is met with a response of "just rinse that off, and it'll be okay". They may only consider absorbent items (mattress, bedding, clothing, etc.), electronics, and paper-based products (art, etc) as a full loss, or even worse a loss at a depreciated amount, and consider anything non-porous as perfectly fine with a little soap & water at your own effort & expense.