Nedbank not releasing insurance payout

I recently had a fire at my place and the Nedbank insurance paid out into my bond account (they only pay into the bond account). The problem I am having is that Nedbank is not allowing me access to excess the funds on the bond. I was told to open an savings account with Nedbank so I can transfer these funds to the savings account so I can fix the house. Summer is starting now and it is going to start raining soon, what happens when there is additional damage to the house whilst I cannot fix the existing damage the insurance has paid for? Who is going to cover the additional damage?