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Problems are mounting up for you kathy, or should that be called blocking up for you, now can you remember me saying one day a while ago that a drill and some weed killer would fix your tree problems, it wont fix your twisted pipe but it would stop the roots from infesting it again, just make sure they're not related to any Triffids.
Home insurance (if you have any) is the first thing to be checked, if they're like our ones they'll try to wriggle out of it, use a friendly tone with them and tell them politely but firmly that they've had your money now its time to pay the piper, (I just couldn't resist that one).
This is sad but true but a male voice on the line will get more attention from them than a simpering or hysterical woman will do, so, use a commanding woman's tone of voice to get your message across, Ann in the video explains how to do it without shrieking like an old witch.

Failing all that above kathy, if they don't fix it cancel the insurance and get a new policy with someone else that covers you for everything. Meanwhile you're going to have to dig deep in your pockets, or else you could set a go fund me page up or something similar, I'm sure some kind soul would throw a few bucks your way.......