<human>: Can you give me the gist of the text in a nutshell?

Me and my family are completely lost and have had our Christmas ruined and would love some help from Reddit. To the story: There have been a lot of very harsh storms over the past year to two years where I live and last year our roof started to leak from the constant damage from mother nature. We claimed some water damage on our homeowners insurance during a hurricane this summer when water leaked in and damaged some of the house. They gave us some money but it was a pittance compared to what the damage cost to fix. So a few months later, on Christmas eve, we recieve a letter stating that they are dropping us as an insurance client due to the disrepair of our roof which we were planning on fixing this summer. This means that our home loan will no longer be held by the bank and our house foreclosed on. Our car insurance is also held by this company(The Hartford) and will double in price in the next week. So basically The Hartford. gave us a great Christmas gift, a note that states, either we pay over $15,000 more than if it was done this summer for a new roof in the winter or our house will be foreclosed on. I am asking reddit for advice on what to do and help me move insurance plans from these heartless, soulless Christmas ruining, pieces of complete and total shit, which I will be sure to do on Monday.
<bot>: The Hartford sent us a notice that unless we immediately spend money we don't have our house will be foreclosed on....on Christmas eve.