I highly recommend you seek legal advice for this.
Insurance lawyers routinely file suit with insurance companies for not paying out and win.
“How Do I Know If I Have a Case?”
Your best bet is to start with my friends at *Rocket Lawyer.
Without going and seeking a high priced attorney, you should describe your situation to them and see if you have a case. If you do, you can either retain their services or seek an insurance attorney for your case.
*I am an affilate for RocketLawyer, meaning if you pay for a service there, I will earn a commission. I have personally vetted the good folks at RocketLawyer and can attest to their expertise and professionalism.