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Who hired you? I'm assuming since Bernie has dementia, he either has a PoA or guardian (a private citizen or the county). This is the person with which you now need to speak. Also, if you can itemize the possessions you lost and provide any pictures at all, this will be helpful. I don't know what homeowner's insurance will cover.
Did Bernie cause the fire? " I'm so sorry for your loss. I hope you can be fully compensated.
if not, then you need to check if the homeowner’s policy covers the possessions of employees.
I actually don't see why your belongings cannot be covered under homeowners without mentioning you were a live in. Just a room with stuff in it?
This is a conversation you need to have with whoever signed your check. If that person is not forthcoming, ask for the name of clients insurance company and talk to them.
Do not believe this, check it out, follow through.
Make a claim anyway.
Even under 'negligence' for the bad wiring, you might be covered under the homeowner's policy.