my wife past away and the beneficiary of her life insurance is my mother in law ,,, do we get some of that money my son and me? is my mother

We had a verygood marriage with a beautiful son..and two months ago she had an accident at home while she was in the shower and she past away....there were some damages in the house like water damages from upstairs to downstairs and my homeowners insurance doesn't covered. .and I dont think my mother's in law want to released some of that money for those repairs and I have to borrowed some money for funerals cost....she had some different life insurances plus the TRS because she was a school teacher. ...and I don't know what to do. ..