That really sucks. Sorry for the lost "stuff" but it was your stuff. With no loss of animal or human life I say let the insurance folks handle it.
Ain't it great to see a simple plan come together. You have paid for insurance for many years and now you get to find out just what you paid for.
And how lucky, you GET to live at a hotel!
Keep up the positive attitude and the kids will remember it as just a minor inconvenience, or better yet a fun adventure.