You are right about things could happen in the future, and if you close the insurance claim you will be up the creek without a paddle, if you know what I mean?
Because of the smoke and water damage, If I were you, I would demand all electronics, and both print heads be replaced (you could keep the existing heads as back up), before settling up with the insurance company. This machine is your bread & butter, and who knows what damage the intense heat, smoke, water vapor, and then the freezing weather has done to the electronic components inside the machine, even the service tech can't detect damage to the inside of the 1000's of small electronic components on the circuit boards.
The fire was NOT your fault, it was the building next door, they should also contribute to the efforts of making sure the printer is as good as it was before the fire damage.
As a mater of fact, now I'm thinking if this happened to my Roland SP540v, I would demand a full replacement, just like they total a vehicle, the insurance should get you a totally new printer, and they recover what ever they can from selling the present damaged printer. That way, you are assured of moving forward without the possibility of the current printer going belly up down the road and you having to pay for the damages out of pocket, because you closed the claim with the insurance company.
I'll leave you with a tip, the insurance company will always try and save money, most of the time they try and bluff you. Believe me in my younger years that tactic worked. Not any more, the last time I was getting the run-around from the insurance company of the gal who ran into my truck, I sent a complaint email to the Texas State Board of Insurance, and within a few days, got a call from that insurance company, and they wanted to know what they needed to do to make me happy and close the case.
I told them what I wanted, how much I wanted, which in the past they said NO WAY, now she said they would put a check in the mail TODAY, agreeing to all my terms. This was after fighting with them for 6 months. I guess my father was right, "The wheel that squeaks, gets the grease".
Words to live by:
In life, you get what ever you except!