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One thing that you may want to do is send your insurance company a letter asking them to advance the money so that you can start repairs. Read the terms of your policy since it is unlikely that your insurance company has to wait to assign liability before affording you coverage. If they do not pay promptly, then you may need to retain an insurance bad faith lawyer to sue or threaten to sue them for the delay. Also, you can opt to make the repairs yourself and seek reimbursement from one or both insurers later. If you take this route, be sure to inform both insurers in writing that this is what you plan to do if they do not repair the issues in X number of business days.
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