Thanks for your comments!!!
Just thought to update: I was able to combine the information here as a statement:
â€śIn reference to work lights, they are not rated for wet environments. One may argue that the equipment was exposed to conditions beyond those intended by it's manufacturer. To insure the integrity of the wiring is safe, an electrician should check them for ground faults.â€ť
This was presented in arguement to the 2nd adjuster...coupled with a fire report I recently received from the Freedom of Information Access Act. I also included a copy of this thread topic, pointing out the fire smoke damage comments as well.
I'm satisfied to say that the original adjusters financial assessment, granting only 39% of my claim...was reassessed and 65% of my claim was accepted.
Again, thank you guys for your '2 cents'- the ROI was immediate...I've already been issued a cheque today to settle the claim!