The first thing you want to do is to retain a public adjuster [PA] to represent you and Susie against the insurance company!
The PA represents the insured as opposed to the insurance company! They take a small percentage of the total settlement but usually get you more money and present a better argument for coverage!
You may be out of luck for your personal property because the policy does exclude property of roomers and boarders not related to the insured! You do not qualify as an insured under the policy as you are not a spouse, a relative, or a person under 21 under the care of the insured!
If you were added as an insured, then you must work this out through the insurance agent! If you have proof you notified him of this request to be put on as an additional insured and you were told it was taken care of [assuming that it was acceptable to the insurance company] but it was not, then you may hold the agent responsible!
Another alternative is to sue the contractor and or the manufacturer of the involved product and its component parts, but you may run into a “statute of repose” defense by the contractor and expensive litigation costs to prove a manufacturing defect or failure to warn!
It all depends what “damages” you have! I would think you would not have enough to withstand the hassles and expense of a lawsuit!
You may want to check this out with a PA, they are up against these things everyday; might have new ideas!
Sorry for your plight!