Help Stephen Rebuild After Tree Catastrophe

I’m Stephen, and I never imagined I would be in a position to ask for help like this. Recently, strong winds uprooted a tree and sent it crashing into my home. The damage was devastating. The tree demolished a corner and part of the side of my house, including the area where the breaker box is located. On top of that, one of the largest branches stabbed into the yard and went through the top of my septic tank, destroying its integrity. What has made this even harder is that my insurance company is refusing to cover the damage, saying I should have anticipated the risk and had the tree removed. But the tree was solid, and I have only owned this home for about 18 months.