Insurance on biohazard clean up & lost of use

[Nate S.]

My mom passed away last year late august, decomposed in the house for 2 weeks. I was stationed in Italy till January since then the air circulated through out the house basically spreading bio almost everywhere. My insurance agent told me it was not covered, yet I had bio clean up company called my adjustor and it was covered 100%. At the current moment, house has been gutted, washed down for any remaining bio hazard. HVAC cleaned the vents. Still needs asbestos removed flooring in the kitchen. Now because cost of bio hazard clean up is higher than expected for adjustor. Now telling me to take it out of the bill of bio clean up crew gave to my adjustor for asbestos and reconstruction. The bio clean up told me, no all contractors are done separately under the same claim. I asked about loss of use, telling me I can still use the house having sub flooring. That insurance was in my moms name, not anyone else. Yet Im the damn executor of estate, and paying for the deductable. Im like what the hell? Im living with my grandparents, I cant even live in my own home yet Im paying on it. I need some serious advice on handling this insurance claim. Just seems now the adjustor is fighting putting out the cost is what needed to bring my house back to living condition. If this was car be like just taken off the damaged parts, but still drive it without being fixed. I want to make I get what is owed to me especially when my mom paid for insurance.