Thank you Carnation and BB for your advice. I am so grateful for you all for the insight into this, because I just had no idea what to do, or whether insurance examiners were supposed to act this way. I have never had to submit an insurance claim before, so I was clueless about it all.
The weird thing is that I was very polite over the phone. I just wanted to find out the status of the claim and how soon we could start. I told the adjuster about it and even he was shocked!
It was just too much to deal with some moron crashing his car into our home (it's our first home too), but having to deal with some sadistic freak insurance examiner who tells me there's nothing I can do about it but wait was just too much. I don't know if he has a reputation of treating everyone this way or it was just me. I just hope he won't be allowed to get away with it.
Hopefully it'll all get resolved soon. I'll update on what happens.
Wishing you all a wonderful Christmas and thank you so much again for the advice!