As TXSTGLIDE stated - insurance companies should be setup to understand how chrome is affected by contaminates once steam and condensation get mixed-in with fire generated toxins. Imagine what you get when a workshop or garage burns - airborne products of combustion such as: tar, oil and all manner of toxic gases. Mix that up with steam from the fire-fighting and you mess-up the chrome and other metals. If chrome is a feature of the Harley, then at the very least, I would get all the chrome and metal components replaced. i.e. swapped-out on a 'like for like' basis. That's why we have insurance a'int it