I agree with Triskeliongirl about the lawyer. My husband works in insurance and he too would not hesitate to hire a lawyer in a similar circumstance because he DOES understand how insurance companies work.
Insurance companies (yours included) owe their first allegiance to themselves.
they will pay you what you agreed upon when you bought the policy but it is not all black and white. Having a lawyer familiar with this process keeps the insurance company(s?) on their toes and speeds up the process.
When my husband ends up dealing with lawyers on work cases, it vastly simplifies the claim for him. In 10 years of this kind of work (he is an insurance adjuster) he has NEVER gone to court (and he deals with lawyers every day)

ps glad your sweetie feels good enough to have his sense of humor!