I am sorry to hear about the damage to your home. I had a house fire years ago, so I understand the frustration with the insurance company on top of all the damage.
My insurance company paid "replacement value" for items that was ruined. I needed to re-purchase the items and supply them with the receipts in order to get paid. I know I did not get everything back that was lost. How do you get back your child's first hand print!, etc.
I agree about trying the vinager. I never tried the Tap-A-Drop so have no opinion on that. Hey, I would use anything that works.
Good luck and sorry to hear about your home. I'm glad everyone is alright though!
Hugs!