Well, if you refuse to pay without roof, what will they do? sue you? Then they have to provide proof. So if you really think you owe it, let them stew. Get a lawyer to negotiate with them. They will probably settle for less even if you really owe it.
Every situation is different, and good legal advice cannot be given based on a short question without an exploration of all the facts that may bear on your situation. This is not legal advice and no attorney-client relationship has been established.
$10,000 even? So, this is for something other than medical expenses, or the amount would not likely be exactly $10k.
Ask them for a breakdown of the amount. You say your were found negligent. So, what, of anything did the court award the other party?
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Who found you negligent. If this is only the "position" of the other insurance company and a judge or jury has not made that determination then their opinion is not binding and can certainly be challenged. You need to clarify the facts here to get a more detailed response.
Is Sedgwick your insurance company? If so, it is only notifying yo8u of a claim against your policy and a demand for your policy limits of $10K. The adjuster evaluates the claim, not you, although you should get a copy of the demand and supporting evidence. The insuranace adjuster, though, decides whetehr to settle, not you.
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