Originally Posted by wildvlad

It will work very simple: you deal with your insurance, they deal with"enemies".
E.g. all checks to you will be coming from your insurance, and they will deal with other insurance to recover their losses on their own.

P.S. did your insurance make an appraisal?

Btw, how far are you from "total loss"? Having potential hidden damages you may be able to get there if you "unhide" them (open up panels etc before appraisal).