i have to disagree with some of the things that you are saying.
first off, you hired an independant adjuster. they ARE the ambulance chasers of insurance claims. so you are giving a company $400 to tell you things YOU could have found out on your own.(internet,library,ect). i'm not saying you did the wrong thing for YOU, just saying you could have saved the $400 bucks.
second, as for the statement insurance companies want to get away cheap,
INCORRECT!!!!!
they are obligated to follow the contract you have with them. it is state law and enforced by each state's insurance dept. they CAN NOT apply coverage that is not in the contract.
the laundering and dry-cleaning is normal when clothing, bedding,ect sustain damage from water/smoke.