I would recommend hiring an attorney. An attorney can help you with the insurance claim, with terminating the tenants' leases if their units are uninhabitable, and with protecting you and your wife from any claims the tenants may have.
This answer is offered as a public service for general information only and should not be relied upon as legal advice.
I concur with the preceding opinion. You'll need to get a copy of your insurance policy. Also, the policy will require that certain notice be provided to the insurance company before you take any action to resolve any claims. It's important that the terms contained in the policy be followed. Contact with the insurance carrier should be made quickly. If you don't feel like you can handle it, then hiring an attorney may be helpful in ensuring compliance with the policy terms, and in answering any questions about the claims process that may arise.
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