Thanks all, I feel terrible always having bad news guys
Insurance sent out a team of builders and they have pulled up all the floor coverings and taken to the tip. The floorboards are now starting to dry and the stench isn't as bad. They have replaced the fridge, freezers, air conditioners and a lot of other stuff, lots still to be assessed though. Steam room has needed a lot of attention with rust due to the humidity, I had a couple of hours to get on top of that yesterday. Our gardens and flower beds have pretty much been trashed.
The houses haven't been touched since they went down on NYE, the older ones have been sprayed with PVA glue to try and contain asbestos fibres.
The NSW govt has now got a statewide contractor so the houses should start being cleaned up soon. But people have already lost 2 months of their 12 months of insurance covered rent. They now have to build to a higher fire rating and their houses are unlikely to be rebuilt in 10 months.