Wish I had something positive to add, but I think you are in for a tussle with the insurance.Last April we had a horrible hail storm, tore up my roof, tore siding off the house, beat my three cars to hell and back. I am still fighting with the insurance company. In hind sight, if I had it to do over again, I would get a lawyer and let them negotiate.May not be a bad idea in your case.