Steve,
Unfortunately, I had the same thing happen in May 2015.. The house was a total loss and we also lost some pets that were in the house... Brutal!!
My only saving grace is that some of my gear was at camp, so I had a base to build off of..
I echo your comments on having a list of possesions in your house... Hopefully you never need it but doing it from memory is difficult and heart wrenching after something like that happens.. Taking a video of the inside of the house can help as well. and yes, make sure you have replacement value...
Tom