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Correct it's a 3rd party claim against his insurance company. You have to notify the company that you are making a claim against their policy as a 3rd party. I believe a very few states even allow DV against your own policy (1st party claim) under certain circumstances but don't quote me on that. My state does not.
Your case is so extreme in loss I recommend you hire your own appraiser (licensed in your state) to put together a DV report for you. I would then present that report to the insurance company and demand you be made whole. If they don't do the right thing, then contact a lawyer or go to small claims court yourself.
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