Unless the fire was caused by the negligence of the homeowner, there isn't any liablility on their part.
As an example, if the home was struck by lightning, unknown arsonist, etc. homeowner not liable.
Better off using your own carrier, and let them pursue the HO in the even there is some liability. It's typically faster.
Unless your policy specifically states disputes regarding actual cash value are to be resolved by arbitration, no sense asking for it. Most don't offer that option under the physical damage coverages.
The auto carrier owes "actual cash value". Normally it's somewher between trade in and full retail value. Retail value is what a dealer could expect to sell the car for after it's reconditioned etc.
Kelley and other books are based upon data from some months prior to publication. Used car values most likely lower now than when book published. Doubt anybody can sell their car for "retail" value as established by some book.
Look around at car ads and see what the same car is offered for locally by both dealers and private parties to get a better idea. If you can find some examples backing up your position, let them know.
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