@kathysway
Get your pencil and pad at the ready. Document everything that you know to date. First thing in the morning, call your insurance company and ask if its personnel can shed any light on the situation. Ask to speak with the supervisor/manager if what you're hearing doesn't make any sense.

One of the first things that I learned in this journey was that I had to be my own general contractor, so to speak. You've got this, Kathy! Go get ' em!