If not specifically outlined in your policy, do you have an insurance broker that might better know what is valid or not? You may also need to discuss (argue) with the adjustor. We had a car totaled. The adjuster gave us a detailed outline of the car’s value, noting numerous very small “scratches” on the body (it was over 10 years old), in an attempt to downgrade the value. But, he failed to note the “big picture” items, such as the higher (more expensive) trim or model of car. It wasn’t until I argued that he admitted they missed that!
It is such a joy when a company stands behind their product or service, and no negotiation is needed. Unfortunately it is becoming more rare.