How can I cash a check from insurance and make repairs made out only to my deceased father who had life estate on my house and land, now mine

Home owners Insurance claim for storm damages that need repairs, was made out to only to my deceased father (his name was on policy) He had a life estate on the home, but the property was always in my name. Likely in error I was not listed as an also insured. I asked insurance company to re-write the check and so far, they say no. The funds need to be used to make the repairs not just generally added to the "estate" of which there is little assets and but some debts. We are trying to avoid a long probate as assets are little, maybe can pay the cremation service.