i've posted this vid before, but essentially, this is what happened to you today.
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I'd be fighting that tooth and nail. Anything attached to the truck should be covered. Not 100% sure on the trailer but the boxes and rack were permanent to the truck.
Commercial (assuming you had one) policies get tricky. Even though technically my 6X12 enclosed was covered when attached to the truck, she had her own policy along with the tools inside. I paid for it, but my business was insured pretty damn good for everything from accidents, theft, liability, work comp etc. One area I do not cheap out.
And to think I am getting ready to start it all over again one state south!