Standard Insurance TERRIBLE

My home burned on the 23 June 2018. Because i am a newly homeowner I didn't really what all my options was. Although the house has structural insurance i don't have content insurance. The bank appointed a contractor who gave me no options. Never discussed anything with me. When i started querying I wasn't happy with the service they had given me so I requested to fix the house myself and get contractors of my own. The bank would have made the money available to the contractors immediately. But since I asked to do it myself it is almost 3 months later and I am still awaiting for an answer. For almost 3 months my family and I have been living in a burned house with little to no actual help from Standard Insurance. All because I don't want to use their contractor. A contractor who doesn't even want to disclose a quote to me. I keep calling and no one is able to give me a constructive answer. This is so sad really... Why have insurance when they are NOT in favour of your best interest.