File a lien...attach the insurance proceeds...
It can be done...and it is the correct answer.
Like the good ole days, keep the lawyers out of it. 20 years form now it will be a great story:
"Yes son, we are still poor right now cause your mommer forgot to send the $75 fire bill in and they let the damn thing burn to the ground. So son, always pay your bills and fees."
Or we can have the lawyer version:
"Hell yeah son. Spend all that shit. Theys plenty more where that came from. We sued the shit outta dem lowlife firemans and now we got ourselves two, count'm, two big ass double wides. We set for life son. So son, don't pay shit. Do all the stupid shit you can think of and when it all goes to shit, Sue. Sue like hell. We'll need more money by then anyway. Woo hooooo. Brang me another Bud."