Your policy says that in the event that you make any false statement in any aspect of your claim, the insurance company can void the policy and it does not have to pay you a cent. When you receive the inventory sheets, you will notice that you are expected to be able to calculate depreciation for example. The adjuster may be able to calculate depreciation, your CPA can calculate depreciation. But you probably can't calculate depreciation. The insurance company probably only owes you the depreciated value of your damaged property.
Nobody does until they have a claim.
The insurance company treats people differently. If it wants to be nice to you, it will pay you the replacement cost up front. If it wants to be ugly to you, it will pay you as noted in the previous paragraph, which is tantamount to not allowing you to collect the replacement cost provisions of your policy. If you do not have the money or credit to replace everything within 6 months of your loss, you lose the difference. A possible solution to this dilemma is to work with a furniture store or a finance company to accept an assignment of your replacement cost coverage rider and proof of your down payment on furniture and other items in return for sufficient credit to make the purchases necessary to allow you to collect your replacement cost coverage.