We had a pipe break in our LA house. 150K in damage (well, the damage would have been a lot less had the San Diego fires not started, leaving no on in LA to look at the damage until all our walls had mold). Our insurer treated us well enough (after a couple of heated calls). But we got jammed up with the check going to the Mortgage company. By the time the check got to them, then back to us, and then the bank released the funds, it took nearly a month. On top of it, as we decided to do multiple parts of the repairs at once, we ran into a huge cash flow issue (mortgage company had to inspect every action to make sure the house was being returned to normal).
But we live through it, took nearly a year, but now the house is complete.