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The insurance company is legally entitled to investigate the claim, but they must do so with all due diligence and in a reasonable time period. An unreasonable delay is evidence of bad faith for which you could sue. If you prevail you could be awarded punitive damages and attorney fees. So, the inurance company is looking at substantial liability if they are acting in bad faith.
There are attorneys who specialize in bad faith claims and it may be time to get one of them involved in this. It should not be dragging out this long to pay or deny the claim.
If you need assistance finding local counsel try Martindale Hubble (site rules prohibit us from referring specific attorneys) . Many attorneys themselves use this site to locate attorneys outside their jurisdiction or expertise:
http://www.martindale.com/Find-Lawyers-and-Law-Firms.aspxIt is a huge worldwide database searchable by location and specialty. The attorneys are all peer rated. So, they represent the top of the profession.
You should also make a complaint to the state insurance board. The will investigate and take the appropriate administrative action.
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