I had water damage. Clothing sat wet and mold formed and contaminated my entire home. My insurance company paid for replacing everything but clothing. They took clothing off the premises and its been sitting in a warehouse in sealed plastic bags for a year. Is there any defense, articles or evidence you can provide that I can show my insurance company to convince them to pay me for replacement value of my clothing rather than cleaning? These are expensive fiber clothing can they get damaged in cleaning? Microbial damage as example?