Home fires are always traumatic as this New York Times article highlights. Spontaneous combustion from chemicals is not as unlikely as it may seem. For this reason homeowners should be vigilant in demanding that workers move supplies and rags well away from the home and place in flame proof cabinets any time construction work including painting and floor refinishing is being done.
The claims process will be much less traumatic if coverage limits are adequate and something the article does not mention, if the insurer specializes in the affluent market. Loss of use coverages are usually far more generous; convenient temporary living accommodations are found and there should be no need to hire an insurance adjuster who will deduct up to 10% or more of the settlement for compensation.