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Sorry to hear about all the damage, Robin! Hope your insurer comes to the party. It's worth pushing them hard. A friend of mine got an ex gratia payment for some lightning damaged gear by just being a huge PITA after being told he wasn't covered.
At our previous house we had a strike on a palm tree 2 metres from the eaves. It took out an AV receiver (and hollowed out the tree trunk) but everything else was OK. Fortunately, our insurance policy at the time did provide coverage. The next year they changed the wording and we wouldn't have been successful with the same claim.
Cheers,
Rick.
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