They are! I am so lucky the insurance company was amazingly easy to work with. I got the job inspections from the LBS, the receipt from my Fisher and the shop printed a quote for a comparable replacement (although not what I think I will get). Insurance settled in two days. They felt the bike was too damaged to recover so I have it, which my LBS was shocked about. I am going to donate some of the parts that are still okay to a local non-profit that fixes up old bikes. Hoping it will bring me good bike karma.