Should I go through my insurance or not?

[Mary Jay]

My tenant in Florida notified me 3 weeks ago that there is mold on the ceiling. 

Contractor came and said the previous roofer did not install flashing and now it caused the stucco to crack and leak, which caused mold.

Apparently stucco is cracked in a few places.

I am having the hardest time to find people do the work.

Ive had few companies come look at it, few companies/roofers promised to come look but never came. Those who came, one general contractor said he will fix it for 1.5K but I cant get him in (he keeps promising that he will come but not coming, Ive waited for him for 3 weeks), another contractor wants 5K and says it might be more, because not sure what condition the walls are in once they open up the stucco...

The Hurticaibe season starting soon, I need to fix the roof and the stucco ASAP because I dont want my house to fall during a hurricaine
Question:  should I call my insurance and see if my insurance will cover the fix? 

Because the quote one company gave me was 5k to fix a leak and I am worried what if we open and there are more issues which might be more than 5K. 

At the same time, if I dont call my insurance and the company does not fix it correctly then the insurance can always deny future claims...

Also, if I go through insurance it could take much longer, by the time insurance approves it, few hurricanes will come through...

What do you guys think?

[Bjorn Ahlblad]

@Mary Jay I vote for call your insurance now. There is no way to tell where this is going and how big a project it becomes. It may take longer but you are not making headway as it is. They may have access to trades and you need more than a regular guy who won't even show up. All the best!