Ya know, I probably shouldn't say this but, I had an opportunity to say what Dodgeman already said last night. The only reason I waited is because 1) as Moderator, I 'try' to give the Pros a 'shot' at giving a professional response, and 2) I really didn't think you'd do anything UNTIL you got a reply. (At that point, I would have added my $.02 ...)
This is not an easy thing for you I'm sure. I hope everyone is OK and that you and your Insurance Company can work it out. DO take care. Maybe in due time, you can 'stick around' and share your experience with others that want to do a similiar project, like with Christopher & Chris's Attic Room which was just posted the other day.
Let us know how you make out. (YOu can start a new thread when you get some time. Tell us how it went with the 'repairs' and the Insurance Company and the family.)