Insurance Claim - Reimbursement- How does it work for Cash Out

[Mak K.]

So, I have a insurance claim for which insurance made a partial claim but the remainder I have been told will be after all repairs made. Due to Freeze, all contractors are backlog. I have two options:

1> Do the repair myself and pay friends for helping hand as needed. I guess its called sweat equity

2>  Sell house As Is

In both scenarios, how do I go about asking for the full payment?  I called the broker and they are saying if repairs are not made, I cannot cash out the claim as its insurance fraud. It is not making sense to me.

Basically my goal is to cash out the money and then either fix it myself or sell the house out.