Okay, it's official. I HAVE THE BEST HUSBAND IN THE WORLD.
We got the insurance check and supporting costs for the structure damage. There is about $90,000 of damage, but we don't have replacement coverage as I thought. The insurance company depreciated the settlement down to $43,000. The PR will pay our $1,000 deductible. PA merely said, "Let's see how we can shuffle the money to get more of what we need."
I am blessed beyond belief.