The easiest thing would be to file on your renters insurance. If apt is responsible, the claims adjustor will look to them to pay the claim. This is why you buy insurance - so they do the work for you!
You signed a binding contract. The best way to start this is to have an open conversation with your landlord. If you default, the landlord has an obligation to mitigate damages. Perhaps you can work out a small penalty for breaking the lease.
The bankruptcy attorney can get the foreclosure "stayed" temporarily. The foreclosure attorney can assess the problem and advise you accordingly. Hopefully the house is also your homestead which will be very helpful. Bottom line, you need both.
You have remedies. You must give proper notice in writing (I send both certified mail and regular mail - plus hand deliver, if possible) and opportunity to cure. Instructions and remedies can be found at www.texastenant.org. Best of luck.
You need to either get your ex to deed to house to you (BTW - don't use a quit claim deed in Texas); or have your divorce attorney file a motion to modify your settlement agreement and get the house awarded to you. It is obvious the person at the loan company is not an attorney. Do not take that advice.
Are there a number of you as unhappy with this situation as you are? If so, you can call a special meeting and elect a new board who will properly manage the property. Alternatively a group can get together and hire an attorney to assist you with the process. Best of luck.