oh yes, I have experienced similar -years ago and recurrent /vivid dreams too.. finishing your post,was ready to relate and support common experiences but I had a knee jerk reaction, an epiphany maybe, as a thought suddenly entered my head - and it was, oh yeah,it sucks to have others blame you for what you cannot control!!! wow, it opened a new path to recovery ,never thought of that before...or it didn't register the same way.
insurance settlements and repairs etc can be quick or drawn out...experienced both. stay in touch with your agent and ask questions ... hopefully you feel better.