I'm sorry to hear about this. I doubt you could find someone to take your case pro bono. If you do not have the funds to pay a judgment against you in the amount the insurer is asking, you probably should consider bankruptcy.
Look in the telephone book under "civil litigation." You can also call the Santa Clara County Bar Association's lawyer referral service at 408.971.6822 for a low-cost initial consultation.
I agree with attorney Eschen. Pro-bono attorneys are hard to come by for this type of case. Instead, why not consult with a lawyer on an "as-needed" basis. Ask the lawyer to review your insurance policy and send a letter on your behalf to the insurance company if he feels your claim was wrongfully denied. You can also file a complaint with the California Department of Insurance. Good luck.