Update: sounds like I'm lucky. The only damage is the microwave, new is $649 and the electric side of the fridge which should be $150 or less plus $200 for the surge protector. So nearly $1000. The electrician is turning this over to his insurance company.
I just ordered a portable surge protector, model EMS-PT50C made in the US by Progressive Industries. Protects against high & low voltage, open ground, polarity protection, etc.
I was mistaken on the heat pump (senior moment). It works fine and blows warm air thru the ceiling vents as designed not the floor vents which the furnace uses.
We'll see what the insurance man does.
