I am sorry, I know how hard going through this is. Our house burned down in April 2008, and we lost almost everything. The only things that were saved were in the shed set pretty far from the house.
Anyhow, the insurance company did not come for 3 days. Even though they were notified first thing in the morning (the fire happened at about 9pm Sunday night and it was about 5 am before everything was all done).
First think about calling the Red Cross. They came at noon the next day and provided us w/ a voucher for Target and a local grocery store. It was meant to at least get us a few outfits each, shoe's, and personal care items. In the midst of all my crying and broken heart.....it was a gesture that still to this day meant so much. They also will help you get replacement prescription medications that you lost in the fire free of charge.
We too had to make a very itemized list of what we lost. For clothing and that they more wanted to know were our clothes for the whole family in the house, winter coats, and shoe's. They then had a set amount for a family of 3 they reimbursed for year round clothing. Same thing w/ simple things like bath towels, everyday use dishes, and food. We then had to get really detailed for all the larger items. We had to provide them w/ brands and approximate age of the item. This included things like furniture, TV's, computers, and appliances, gaming systems, ect.
A few things:
-Don't remove any debris or ANYTHING until the insurance company comes to look through everything.
-The insurance company sent someone to do an emergency board up of our house before they even came to look at it. That money came out of the insurance check in the end at a tune of almost $6000.00!!!
In our case the insurance company refused to consider the house a total loss, and instead stated it could be repaired. We got 3 independent estimates on this and the insurance company adjuster was 50% lower than anyone else. So in the end the reimbursed only half of what it cost to repair the home. Our personal belongings were reimbursed in full to the maximum of the policy. We did not have to replace the item and send in the receipts. In reality though, we only had $10,000 on our policy to cover our contents (I learned a big lesson about being properly insured). That doesn't even come close to covering year round clothing for a family of 3, beds, appliances, daily use items, computers, TV's, new beds, dressers, my sons's items (toys, video games), cameras, camcorders, living room furniture, tools (they were in the attached garage that burned too), tables, chairs, ect. It took about 30 days to get the check, but part of the delay was in us arguing the repair versus total loss.
In the end the house/property went to auction and between what it sold for and the insurance check the house was paid off. So there was no debt or negative credit reporting (yes I know the no negative credit reporting for a fact) on the house or us.
DH, DS, and our dogs moved in w/ my mom immediately after the fire. We stayed there about 6 weeks and then moved in w/ MIL for 8 days to be exact. At that point we found single family home to rent (we're still in). It's been hard, we still have not replaced everything and it's 18 months later. So we did not have them pay to put us up someplace.
I will send prayers and good thoughts your way. It is an awful thing to go through, but I will assure you "life" will be normal again someday. The day we moved into our rental home was the day I started to feel like "ME" again. We had people come out of the woodwork donating clothing and household items to us. Which I'll never forget. Family and friends neighbors gave us stuff. Every little bit helped. The insurance money didn't cover the entire contents of everything you need.....so we visited a lot of thrift stores to get other things.
I sent some things back to be cleaned again several times and eventually charged my labor to clean them myself (that white corning ware). Three different types of cleaning services were used and some stuff just disappeared. Also some items had no value depending on their age..I'm thinking it was 2 years for drapes, sheets, towels.. but I could be remembering that wrong. 
