Sorry about the damage and problems. I agree your insurance person is being a butt head. We had a fire in basement several years ago. They told me to document all damage, give estimate of what I paid, and they compensated me for the cleanup as I did not want a stranger in my home pawing through my stuff ands cleaning it. I kept a log of my hours, cleaning supplies, and such. Ine month later, you did not know we had a fire down there.
White vinegar works, cold water, HANG outside to dry. The sun will help odors dissipate. Soaking, rinsing, soaking, rinsing and then hang drying. Now is not the time for your normal wash steps.
I use Oxyclean in all my really dirty loads of laundry. Takes out odors, too. Using something like Fabreeze only covers the odor it does not eliminate it. You need a product that will KILL the odors and the bacteria/fungus/molds in the fabrics. It can be done without throwing out the fabric. DO not put through the dryer until all smells are gone. Hang dry. I also use CLoros 2 in all loads of laundry. We live in the xcountry with well water and have a high iron content in the water.
Fabreeze does not, as far as I know, KILL the germs causing the problem it only masks the odors by making it smell good for a short time.
Read the Simply Green container and see if it will KILL the germs and is safe for fabrics. They make a product called D-2 which will kill the germs, but it comes in a gal. size container and is special order. It is safe for humans, plants, animals, bio-degradeable, etc. but do not know about fabric.
One day at a time. Be patient. Don't throw things away until you have exhausted all resources. Been there.