I think I'm good on part of that. USAA sends a team out to remove the water, lead, and asbestos areas and do a thorough scrub and clean. They don't do any wiring, framing, drywall, trim, etc....they just make the area safe and remove the smoke damage as much as possible. After those guys are done, the adjuster comes in and surveys the total damage created (more wall & clg coming down in mitigation).
What I need at this point, is a good electrician to survey the extent of electrical work, both required and optional. I'm going to want a full inspection and recommendation, because I suspect there is a LOT more crap going on.
1978 13BT-40, 70 series mechanicals
1966 FJ45 lwb stock
2003 100 OME lift
1974V8J40, 1992FJ80, 1985FJ60, 1971FJ55, 1978FJ40, 1974FJ40, 1997 LX450 all long gone.