Arron, I am so sorry to learn of your loss. Glad no one was hurt. You are right, the stuff can be replaced but lives cannot.
Sorry the kitties and hamster went over Rainbow Bridge, but they are fine on the other side.
We will keep you in our thoughts and prayers. Let us know what we can do to try to help. As a Bernina owner, I know that Cathy feels very bad about her Artista. Ins companies are sometimes a pain in the rear.
Take care, Ronda aka Sassysewer53