My experience was a few years ago now, and of a different firm, but here goes:

I was burgled (rear window jemmied while I was away on holiday) by someone who took a number of watches & similar portable valuables, all my CDs, TV, video, a couple of bags & a curtain (ripped off its rail, I imagine to carry the swag)

Loss adjuster visited within days of my claim. Quotes arranged to replace window frame 'as was' but happy for me to arrange a higher-quality alternative with insurers contributing quoted sum.

Lost timepieces (some antique) a fair value agreed in days, credit note arranged to purchase my selection goods at any of a range of dealers. Clearly insurers & dealers had a mutually beneficial arrangement, but I had no quarrel with the outcome. Electrical goods I could have a similar arrangement (choosing what I then preferred) or let the insurers find the best match they could for the goods lost. I went and chose for myself.

Best of all was I listed over 100 CDs, some of which were pretty obscure, and they handed it to some firm specialising in such things who found the vast majority of them over a period of about 8 weeks and mailed them to me. This was before the likes of Amazon, so finding them was a feat I would never have accomplished alone. A quite generous flat-rate payment was made for those discs they couldn't source.

The minor damages & replacing curtains (full set for all windows in that room) I submitted receipts and got cheques by return.

I think that the fact I worked in a large branch of a well-known bank right next door to the loss adjuster's office (a coincidence, my home was 20 miles away in another town) may well have smoothed the passage of my claim, but I have to say that the adjusters were very fair, quick, polite, and probably the nicest part of an otherwise rather unpleasant business.

Getting burgled is nasty, and you have my sympathy. Like you I fitted an alarm after getting done, but it rankled for a surprisingly long time. Just glad I was nowhere near at the time.