If you believe that your insurer is violating its obligations under the policy, in that it is not paying or honoring a claim which it should, you could sue them for "breach of contract" (since an insurance policy is a contract); if you could prove in court that under the plain terms of the policy (courts enforce the plain or obvious terms of contracts, including insurance policies) and the facts of this situation that they should have paid, you can get a court judgment in your favor requiring them to pay. Clearly, an attorney would be helpful, but of course, you'd have to pay for a lawyer, which could eat into what you hope to recover; you could also proceed "pro se," or as your own attorney.